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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 | $26,187 | $81,487-67.9% | $102,412-74.4% | $80,935-67.6% |
| Participation rate | 57.4% | 66.8%-9.4pp | 74.5%-17.1pp | 67.7%-10.3pp |
| Annual return | 10.44% | 25.60%-15.2pp | 24.94%-14.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $2,627 | $3,103-15.3% | $3,870-32.1% | $2,757-4.7% |
| Participant deferral / active EE | $2,928 | $3,871-24.4% | $5,060-42.1% | $4,299-31.9% |
| Admin fee / account holder | $5,272 | $6,717-21.5% | $8,388-37.1% | $6,924-23.9% |