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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 | $40,937 | $63,861-35.9% | $104,625-60.9% | $79,852-48.7% |
| Participation rate | 57.7% | 64.9%-7.2pp | 74.1%-16.4pp | 69.6%-11.9pp |
| Annual return | 6.91% | 21.30%-14.4pp | 340.60%-333.7pp | 31.72%-24.8pp |
| Employer contribution / active EE | $1,189 | $1,588-25.1% | $2,681-55.6% | $2,471-51.9% |
| Participant deferral / active EE | $5,004 | $2,693+85.8% | $3,738+33.9% | $3,740+33.8% |
| Admin fee / account holder | $3,528 | $4,185-15.7% | $6,465-45.4% | $5,306-33.5% |