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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 | $50,890 | $72,269-29.6% | $101,271-49.7% | $79,852-36.3% |
| Participation rate | 69.4% | 68.5%+1.0pp | 75.8%-6.4pp | 69.6%-0.2pp |
| Annual return | 8.23% | 22.29%-14.1pp | 46.48%-38.2pp | 31.72%-23.5pp |
| Employer contribution / active EE | $2,987 | $2,692+11.0% | $3,660-18.4% | $2,471+20.9% |
| Participant deferral / active EE | $2,082 | $3,282-36.5% | $4,371-52.4% | $3,740-44.3% |
| Admin fee / account holder | $3,753 | $4,401-14.7% | $5,948-36.9% | $5,306-29.3% |