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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 | $26,976 | $77,472-65.2% | $100,415-73.1% | $80,959-66.7% |
| Participation rate | 68.9% | 76.9%-8.1pp | 81.5%-12.6pp | 67.7%+1.2pp |
| Annual return | 12.09% | 37.26%-25.2pp | 49.47%-37.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $2,490 | $2,800-11.1% | $3,943-36.8% | $2,757-9.7% |
| Participant deferral / active EE | $3,942 | $6,818-42.2% | $8,091-51.3% | $4,300-8.3% |
| Admin fee / account holder | $596 | $5,885-89.9% | $7,906-92.5% | $6,925-91.4% |