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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 | $30,705 | $63,082-51.3% | $81,716-62.4% | $79,852-61.5% |
| Participation rate | 59.8% | 67.5%-7.8pp | 72.0%-12.2pp | 69.6%-9.9pp |
| Annual return | 4.96% | 22.66%-17.7pp | 29.49%-24.5pp | 31.72%-26.8pp |
| Employer contribution / active EE | $2,086 | $1,795+16.2% | $4,310-51.6% | $2,471-15.6% |
| Participant deferral / active EE | $1,869 | $2,780-32.8% | $7,108-73.7% | $3,740-50.0% |
| Admin fee / account holder | $418 | $4,428-90.6% | $5,159-91.9% | $5,306-92.1% |