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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 | $38,660 | $76,834-49.7% | $108,359-64.3% | $87,485-55.8% |
| Participation rate | 58.0% | 61.7%-3.8pp | 70.1%-12.2pp | 68.9%-11.0pp |
| Annual return | 7.19% | 19.09%-11.9pp | 36.89%-29.7pp | 26.06%-18.9pp |
| Employer contribution / active EE | $1,771 | $1,556+13.8% | $2,399-26.2% | $2,596-31.8% |
| Participant deferral / active EE | $2,974 | $3,100-4.1% | $4,137-28.1% | $4,274-30.4% |
| Admin fee / account holder | $1,796 | $6,537-72.5% | $9,741-81.6% | $7,775-76.9% |