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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 | $27,299 | $81,331-66.4% | $155,534-82.4% | $80,935-66.3% |
| Participation rate | 68.0% | 66.3%+1.7pp | 78.2%-10.2pp | 67.7%+0.3pp |
| Annual return | 10.47% | 33.37%-22.9pp | 64.92%-54.4pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,112 | $3,105-64.2% | $4,675-76.2% | $2,757-59.7% |
| Participant deferral / active EE | $3,615 | $3,454+4.6% | $5,630-35.8% | $4,299-15.9% |
| Admin fee / account holder | $1,221 | $7,999-84.7% | $15,900-92.3% | $6,924-82.4% |