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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 | $40,452 | $63,365-36.2% | $91,994-56.0% | $72,975-44.6% |
| Participation rate | 65.5% | 72.5%-7.0pp | 78.6%-13.1pp | 69.5%-4.0pp |
| Annual return | 17.45% | 35.35%-17.9pp | 69.04%-51.6pp | 81.01%-63.6pp |
| Employer contribution / active EE | $1,725 | $2,116-18.5% | $3,453-50.0% | $2,440-29.3% |
| Participant deferral / active EE | $3,650 | $4,883-25.3% | $5,924-38.4% | $3,608+1.2% |
| Admin fee / account holder | $1,727 | $4,670-63.0% | $7,744-77.7% | $5,124-66.3% |