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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 | $38,321 | $99,875-61.6% | $146,866-73.9% | $86,983-55.9% |
| Participation rate | 62.2% | 75.8%-13.6pp | 82.5%-20.3pp | 69.5%-7.3pp |
| Annual return | 9.99% | 28.10%-18.1pp | 102.85%-92.9pp | 25.83%-15.8pp |
| Employer contribution / active EE | $1,629 | $3,224-49.5% | $4,425-63.2% | $2,584-37.0% |
| Participant deferral / active EE | $2,590 | $6,322-59.0% | $7,759-66.6% | $4,194-38.2% |
| Admin fee / account holder | $1,583 | $7,838-79.8% | $13,620-88.4% | $7,856-79.8% |