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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 | $36,519 | $108,825-66.4% | $156,181-76.6% | $82,448-55.7% |
| Participation rate | 69.7% | 72.4%-2.7pp | 78.8%-9.1pp | 68.1%+1.6pp |
| Annual return | 9.93% | 20.59%-10.7pp | 64.87%-54.9pp | 41.64%-31.7pp |
| Employer contribution / active EE | $2,738 | $2,870-4.6% | $4,294-36.2% | $2,551+7.3% |
| Participant deferral / active EE | $2,112 | $4,577-53.9% | $6,132-65.6% | $4,139-49.0% |
| Admin fee / account holder | $4,573 | $9,341-51.0% | $14,586-68.6% | $7,234-36.8% |