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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 | $39,304 | $57,140-31.2% | $85,240-53.9% | $80,959-51.5% |
| Participation rate | 58.0% | 56.4%+1.6pp | 67.5%-9.5pp | 67.7%-9.7pp |
| Annual return | 8.49% | 21.71%-13.2pp | 66.75%-58.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $1,630 | $1,802-9.5% | $2,735-40.4% | $2,757-40.9% |
| Participant deferral / active EE | $3,127 | $3,115+0.4% | $4,527-30.9% | $4,300-27.3% |
| Admin fee / account holder | $1,223 | $4,992-75.5% | $6,165-80.2% | $6,925-82.3% |