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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 | $49,715 | $77,472-35.8% | $100,392-50.5% | $80,935-38.6% |
| Participation rate | 63.6% | 76.9%-13.3pp | 81.5%-17.9pp | 67.7%-4.0pp |
| Annual return | 8.26% | 37.26%-29.0pp | 49.45%-41.2pp | 35.66%-27.4pp |
| Employer contribution / active EE | $1,676 | $2,800-40.1% | $3,941-57.5% | $2,757-39.2% |
| Participant deferral / active EE | $3,400 | $6,818-50.1% | $8,090-58.0% | $4,299-20.9% |
| Admin fee / account holder | $7,343 | $5,885+24.8% | $7,904-7.1% | $6,924+6.0% |