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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 | $73,787-47.6% | $98,716-60.8% | $82,448-53.1% |
| Participation rate | 58.0% | 61.4%-3.4pp | 69.3%-11.3pp | 68.1%-10.1pp |
| Annual return | 7.19% | 18.57%-11.4pp | 31.81%-24.6pp | 41.64%-34.4pp |
| Employer contribution / active EE | $1,771 | $1,511+17.2% | $2,279-22.3% | $2,551-30.6% |
| Participant deferral / active EE | $2,974 | $3,081-3.5% | $4,048-26.5% | $4,139-28.2% |
| Admin fee / account holder | $1,796 | $6,500-72.4% | $8,703-79.4% | $7,234-75.2% |