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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 | $62,442 | $32,037+94.9% | $69,182-9.7% | $62,881-0.7% |
| Participation rate | 57.1% | 43.4%+13.7pp | 55.1%+2.0pp | 69.3%-12.2pp |
| Annual return | 3.85% | 15.16%-11.3pp | -21.93%+25.8pp | 20.14%-16.3pp |
| Employer contribution / active EE | $500 | $679-26.4% | $1,206-58.6% | $2,281-78.1% |
| Participant deferral / active EE | $2,677 | $1,185+125.8% | $1,897+41.1% | $3,203-16.4% |
| Admin fee / account holder | $2,905 | $2,608+11.4% | $2,697+7.7% | $4,296-32.4% |