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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 | $37,156+47.1% | $83,854-34.8% | $86,983-37.2% |
| Participation rate | 59.5% | 49.1%+10.5pp | 59.1%+0.4pp | 69.5%-10.0pp |
| Annual return | 12.90% | 29.88%-17.0pp | 31.39%-18.5pp | 25.83%-12.9pp |
| Employer contribution / active EE | $1,421 | $661+115.1% | $1,017+39.7% | $2,584-45.0% |
| Participant deferral / active EE | $4,189 | $1,418+195.5% | $2,035+105.8% | $4,194-0.1% |
| Admin fee / account holder | $3,582 | $2,510+42.7% | $3,197+12.0% | $7,856-54.4% |