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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 | $77,574-50.2% | $108,753-64.5% | $86,983-55.6% |
| Participation rate | 58.0% | 62.3%-4.3pp | 71.1%-13.1pp | 69.5%-11.6pp |
| Annual return | 7.19% | 18.42%-11.2pp | 37.47%-30.3pp | 25.83%-18.6pp |
| Employer contribution / active EE | $1,771 | $1,611+10.0% | $2,427-27.0% | $2,584-31.5% |
| Participant deferral / active EE | $2,974 | $3,128-4.9% | $4,115-27.7% | $4,194-29.1% |
| Admin fee / account holder | $1,796 | $6,529-72.5% | $10,320-82.6% | $7,856-77.1% |