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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 | $58,472 | $101,778-42.5% | $164,975-64.6% | $80,925-27.7% |
| Participation rate | 68.2% | 71.8%-3.6pp | 78.6%-10.4pp | 67.7%+0.5pp |
| Annual return | 10.42% | 16.73%-6.3pp | 70.12%-59.7pp | 35.65%-25.2pp |
| Employer contribution / active EE | $1,588 | $2,954-46.2% | $4,343-63.4% | $2,756-42.4% |
| Participant deferral / active EE | $4,279 | $4,477-4.4% | $6,033-29.1% | $4,299-0.5% |
| Admin fee / account holder | $1,913 | $8,221-76.7% | $12,688-84.9% | $6,940-72.4% |