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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 | $41,349 | $56,054-26.2% | $171,082-75.8% | $62,891-34.3% |
| Participation rate | 67.7% | 62.9%+4.9pp | 76.7%-9.0pp | 69.3%-1.6pp |
| Annual return | 4.75% | 22.52%-17.8pp | 32.56%-27.8pp | 20.14%-15.4pp |
| Employer contribution / active EE | $2,328 | $1,731+34.5% | $4,002-41.8% | $2,281+2.1% |
| Participant deferral / active EE | $2,359 | $3,158-25.3% | $4,797-50.8% | $3,203-26.4% |
| Admin fee / account holder | $2,553 | $3,647-30.0% | $8,520-70.0% | $4,296-40.6% |