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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 | $39,207 | $101,778-61.5% | $164,975-76.2% | $80,925-51.6% |
| Participation rate | 13.8% | 71.8%-58.0pp | 78.6%-64.8pp | 67.7%-53.9pp |
| Annual return | 9.42% | 16.73%-7.3pp | 70.12%-60.7pp | 35.65%-26.2pp |
| Employer contribution / active EE | $2,440 | $2,954-17.4% | $4,343-43.8% | $2,756-11.5% |
| Participant deferral / active EE | $5,104 | $4,477+14.0% | $6,033-15.4% | $4,299+18.7% |
| Admin fee / account holder | $3,280 | $8,221-60.1% | $12,688-74.1% | $6,940-52.7% |