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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 | $39,422 | $68,880-42.8% | $120,580-67.3% | $80,959-51.3% |
| Participation rate | 57.6% | 61.7%-4.1pp | 72.0%-14.4pp | 67.7%-10.1pp |
| Annual return | 7.35% | 23.68%-16.3pp | 107.48%-100.1pp | 35.67%-28.3pp |
| Employer contribution / active EE | $1,773 | $2,066-14.2% | $3,469-48.9% | $2,757-35.7% |
| Participant deferral / active EE | $2,840 | $3,191-11.0% | $4,995-43.1% | $4,300-34.0% |
| Admin fee / account holder | $7,216 | $5,785+24.7% | $9,418-23.4% | $6,925+4.2% |