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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 | $39,056 | $67,602-42.2% | $82,312-52.6% | $70,126-44.3% |
| Participation rate | 69.2% | 72.8%-3.5pp | 76.9%-7.7pp | 69.5%-0.3pp |
| Annual return | 10.88% | 21.57%-10.7pp | 25.88%-15.0pp | 73.15%-62.3pp |
| Employer contribution / active EE | $1,606 | $1,755-8.5% | $2,428-33.9% | $2,343-31.4% |
| Participant deferral / active EE | $2,650 | $2,987-11.3% | $3,706-28.5% | $3,332-20.5% |
| Admin fee / account holder | $8,026 | $4,512+77.9% | $5,608+43.1% | $4,645+72.8% |