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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 | $46,295 | $106,749-56.6% | $145,433-68.2% | $82,448-43.8% |
| Participation rate | 68.4% | 75.6%-7.2pp | 82.1%-13.7pp | 68.1%+0.4pp |
| Annual return | 8.39% | 27.59%-19.2pp | 66.58%-58.2pp | 41.64%-33.3pp |
| Employer contribution / active EE | $3,174 | $3,444-7.8% | $4,554-30.3% | $2,551+24.4% |
| Participant deferral / active EE | $6,767 | $6,519+3.8% | $7,897-14.3% | $4,139+63.5% |
| Admin fee / account holder | $3,457 | $8,390-58.8% | $13,129-73.7% | $7,234-52.2% |