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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 | $37,920 | $57,140-33.6% | $85,240-55.5% | $80,959-53.2% |
| Participation rate | 61.7% | 56.4%+5.3pp | 67.5%-5.8pp | 67.7%-6.0pp |
| Annual return | 10.19% | 21.71%-11.5pp | 66.75%-56.6pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,203 | $1,802+22.2% | $2,735-19.5% | $2,757-20.1% |
| Participant deferral / active EE | $3,442 | $3,115+10.5% | $4,527-24.0% | $4,300-20.0% |
| Admin fee / account holder | $1,388 | $4,992-72.2% | $6,165-77.5% | $6,925-80.0% |