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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 | $46,465 | $87,060-46.6% | $105,591-56.0% | $80,911-42.6% |
| Participation rate | 68.0% | 70.4%-2.4pp | 75.3%-7.3pp | 67.6%+0.4pp |
| Annual return | 9.48% | 17.05%-7.6pp | 116.43%-106.9pp | 35.63%-26.1pp |
| Employer contribution / active EE | $1,358 | $2,396-43.3% | $3,166-57.1% | $2,756-50.7% |
| Participant deferral / active EE | $3,612 | $3,986-9.4% | $5,008-27.9% | $4,297-15.9% |
| Admin fee / account holder | $8,031 | $8,442-4.9% | $11,024-27.1% | $6,935+15.8% |