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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 | $75,541-49.5% | $152,093-74.9% | $82,637-53.8% |
| Participation rate | 65.6% | 66.5%-1.0pp | 77.8%-12.2pp | 68.1%-2.5pp |
| Annual return | 12.80% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.7pp |
| Employer contribution / active EE | $1,849 | $2,622-29.5% | $4,175-55.7% | $2,552-27.6% |
| Participant deferral / active EE | $2,963 | $3,206-7.6% | $5,451-45.7% | $4,126-28.2% |
| Admin fee / account holder | $1,222 | $6,405-80.9% | $14,497-91.6% | $7,339-83.3% |