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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 | $35,022 | $106,524-67.1% | $152,301-77.0% | $87,485-60.0% |
| Participation rate | 63.2% | 75.8%-12.6pp | 82.4%-19.3pp | 68.9%-5.8pp |
| Annual return | 12.89% | 26.89%-14.0pp | 80.50%-67.6pp | 26.06%-13.2pp |
| Employer contribution / active EE | $2,116 | $3,371-37.2% | $4,624-54.2% | $2,596-18.5% |
| Participant deferral / active EE | $5,153 | $6,525-21.0% | $8,004-35.6% | $4,274+20.6% |
| Admin fee / account holder | $10,771 | $8,287+30.0% | $14,398-25.2% | $7,775+38.5% |