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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 | $40,398 | $54,757-26.2% | $90,304-55.3% | $72,975-44.6% |
| Participation rate | 69.4% | 65.2%+4.3pp | 73.3%-3.8pp | 69.5%0pp |
| Annual return | 9.31% | 30.63%-21.3pp | 78.13%-68.8pp | 81.01%-71.7pp |
| Employer contribution / active EE | $646 | $2,093-69.1% | $2,855-77.4% | $2,440-73.5% |
| Participant deferral / active EE | $1,447 | $2,887-49.9% | $3,885-62.8% | $3,608-59.9% |
| Admin fee / account holder | $1,086 | $3,973-72.7% | $5,354-79.7% | $5,124-78.8% |