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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,281 | $86,938-53.7% | $102,423-60.7% | $80,925-50.2% |
| Participation rate | 62.9% | 72.4%-9.5pp | 76.5%-13.6pp | 67.7%-4.8pp |
| Annual return | 10.25% | 18.89%-8.6pp | 29.42%-19.2pp | 35.65%-25.4pp |
| Employer contribution / active EE | $1,842 | $2,369-22.3% | $3,023-39.1% | $2,756-33.2% |
| Participant deferral / active EE | $4,174 | $4,120+1.3% | $5,054-17.4% | $4,299-2.9% |
| Admin fee / account holder | $3,595 | $8,053-55.4% | $9,455-62.0% | $6,940-48.2% |