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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 | $81,457-54.8% | $103,378-64.4% | $80,911-54.5% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.6%-7.6pp |
| Annual return | 4.66% | 25.58%-20.9pp | 24.91%-20.2pp | 35.63%-31.0pp |
| Employer contribution / active EE | $2,233 | $3,107-28.2% | $3,870-42.3% | $2,756-19.0% |
| Participant deferral / active EE | $5,425 | $3,871+40.1% | $5,058+7.3% | $4,297+26.2% |
| Admin fee / account holder | $311 | $6,717-95.4% | $8,401-96.3% | $6,935-95.5% |