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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 | $38,739 | $63,354-38.9% | $94,105-58.8% | $82,637-53.1% |
| Participation rate | 61.1% | 63.8%-2.7pp | 71.9%-10.8pp | 68.1%-6.9pp |
| Annual return | 12.80% | 34.36%-21.6pp | 204.55%-191.8pp | 53.51%-40.7pp |
| Employer contribution / active EE | $2,067 | $1,760+17.5% | $2,504-17.4% | $2,552-19.0% |
| Participant deferral / active EE | $3,417 | $2,873+18.9% | $3,881-12.0% | $4,126-17.2% |
| Admin fee / account holder | $4,152 | $5,073-18.1% | $6,199-33.0% | $7,339-43.4% |