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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 | $47,786 | $68,586-30.3% | $120,380-60.3% | $80,911-40.9% |
| Participation rate | 64.9% | 61.6%+3.3pp | 71.9%-7.0pp | 67.6%-2.8pp |
| Annual return | 10.13% | 23.62%-13.5pp | 107.28%-97.2pp | 35.63%-25.5pp |
| Employer contribution / active EE | $1,738 | $2,053-15.3% | $3,465-49.8% | $2,756-36.9% |
| Participant deferral / active EE | $3,384 | $3,174+6.6% | $4,992-32.2% | $4,297-21.2% |
| Admin fee / account holder | $468 | $5,733-91.8% | $9,421-95.0% | $6,935-93.3% |