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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 | $35,093 | $51,194-31.5% | $70,525-50.2% | $75,173-53.3% |
| Participation rate | 60.0% | 60.9%-0.9pp | 68.4%-8.4pp | 67.2%-7.2pp |
| Annual return | 12.19% | 30.03%-17.8pp | 32.76%-20.6pp | 160.65%-148.5pp |
| Employer contribution / active EE | $861 | $1,826-52.9% | $2,974-71.0% | $2,670-67.8% |
| Participant deferral / active EE | $3,082 | $2,850+8.2% | $4,567-32.5% | $4,126-25.3% |
| Admin fee / account holder | $4,413 | $4,092+7.9% | $6,413-31.2% | $5,651-21.9% |