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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 | $49,517 | $81,358-39.1% | $155,556-68.2% | $80,959-38.8% |
| Participation rate | 69.1% | 66.3%+2.9pp | 78.2%-9.1pp | 67.7%+1.5pp |
| Annual return | 9.49% | 33.39%-23.9pp | 64.84%-55.3pp | 35.67%-26.2pp |
| Employer contribution / active EE | $1,778 | $3,106-42.8% | $4,675-62.0% | $2,757-35.5% |
| Participant deferral / active EE | $2,959 | $3,455-14.4% | $5,631-47.5% | $4,300-31.2% |
| Admin fee / account holder | $3,714 | $7,994-53.5% | $15,885-76.6% | $6,925-46.4% |