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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 | $57,119-33.6% | $85,187-55.5% | $80,935-53.1% |
| Participation rate | 61.7% | 56.4%+5.3pp | 67.5%-5.8pp | 67.7%-6.0pp |
| Annual return | 10.19% | 21.70%-11.5pp | 66.67%-56.5pp | 35.66%-25.5pp |
| Employer contribution / active EE | $2,203 | $1,802+22.3% | $2,732-19.4% | $2,757-20.1% |
| Participant deferral / active EE | $3,442 | $3,115+10.5% | $4,525-23.9% | $4,299-19.9% |
| Admin fee / account holder | $1,388 | $4,990-72.2% | $6,162-77.5% | $6,924-80.0% |