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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 | $38,691 | $45,343-14.7% | $150,298-74.3% | $67,986-43.1% |
| Participation rate | 68.6% | 51.9%+16.7pp | 77.8%-9.2pp | 57.2%+11.4pp |
| Annual return | 11.83% | 33.28%-21.4pp | 62.79%-51.0pp | 31.67%-19.8pp |
| Employer contribution / active EE | $1,203 | $1,462-17.7% | $4,154-71.0% | $2,019-40.4% |
| Participant deferral / active EE | $3,185 | $2,055+55.0% | $5,453-41.6% | $3,358-5.2% |
| Admin fee / account holder | $2,235 | $2,250-0.6% | $14,116-84.2% | $3,203-30.2% |