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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 | $36,841 | $81,487-54.8% | $102,412-64.0% | $80,935-54.5% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 4.66% | 25.60%-20.9pp | 24.94%-20.3pp | 35.66%-31.0pp |
| Employer contribution / active EE | $2,233 | $3,103-28.0% | $3,870-42.3% | $2,757-19.0% |
| Participant deferral / active EE | $5,425 | $3,871+40.1% | $5,060+7.2% | $4,299+26.2% |
| Admin fee / account holder | $311 | $6,717-95.4% | $8,388-96.3% | $6,924-95.5% |