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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 | $38,166 | $76,407-50.0% | $150,298-74.6% | $82,448-53.7% |
| Participation rate | 65.6% | 66.4%-0.8pp | 77.8%-12.2pp | 68.1%-2.5pp |
| Annual return | 12.80% | 39.99%-27.2pp | 62.79%-50.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,849 | $2,614-29.3% | $4,154-55.5% | $2,551-27.5% |
| Participant deferral / active EE | $2,963 | $3,214-7.8% | $5,453-45.7% | $4,139-28.4% |
| Admin fee / account holder | $1,222 | $6,352-80.8% | $14,116-91.3% | $7,234-83.1% |