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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 | $54,667 | $36,948+48.0% | $73,658-25.8% | $87,485-37.5% |
| Participation rate | 59.5% | 46.8%+12.7pp | 57.0%+2.5pp | 68.9%-9.4pp |
| Annual return | 12.90% | 28.64%-15.7pp | 29.72%-16.8pp | 26.06%-13.2pp |
| Employer contribution / active EE | $1,421 | $670+112.1% | $1,032+37.7% | $2,596-45.3% |
| Participant deferral / active EE | $4,189 | $1,379+203.8% | $2,062+103.2% | $4,274-2.0% |
| Admin fee / account holder | $3,582 | $2,531+41.5% | $3,357+6.7% | $7,775-53.9% |