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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 | $57,057-33.5% | $85,009-55.4% | $80,874-53.1% |
| Participation rate | 61.7% | 56.4%+5.3pp | 67.5%-5.8pp | 67.6%-5.9pp |
| Annual return | 10.19% | 21.66%-11.5pp | 66.47%-56.3pp | 35.62%-25.4pp |
| Employer contribution / active EE | $2,203 | $1,799+22.5% | $2,728-19.3% | $2,756-20.1% |
| Participant deferral / active EE | $3,442 | $3,112+10.6% | $4,522-23.9% | $4,297-19.9% |
| Admin fee / account holder | $1,388 | $4,986-72.2% | $6,153-77.4% | $6,935-80.0% |