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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 | $42,988 | $63,861-32.7% | $104,625-58.9% | $79,852-46.2% |
| Participation rate | 66.7% | 64.9%+1.7pp | 74.1%-7.4pp | 69.6%-3.0pp |
| Annual return | 6.30% | 21.30%-15.0pp | 340.60%-334.3pp | 31.72%-25.4pp |
| Employer contribution / active EE | $1,021 | $1,588-35.7% | $2,681-61.9% | $2,471-58.7% |
| Participant deferral / active EE | $1,565 | $2,693-41.9% | $3,738-58.1% | $3,740-58.2% |
| Admin fee / account holder | $554 | $4,185-86.8% | $6,465-91.4% | $5,306-89.6% |