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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 | $54,068 | $56,110-3.6% | $94,993-43.1% | $70,126-22.9% |
| Participation rate | 68.0% | 65.0%+3.0pp | 73.9%-5.9pp | 69.5%-1.5pp |
| Annual return | 11.33% | 51.02%-39.7pp | 27.14%-15.8pp | 73.15%-61.8pp |
| Employer contribution / active EE | $801 | $1,442-44.5% | $2,603-69.3% | $2,343-65.8% |
| Participant deferral / active EE | $2,463 | $2,391+3.0% | $3,317-25.7% | $3,332-26.1% |
| Admin fee / account holder | $1,768 | $3,456-48.9% | $4,960-64.4% | $4,645-61.9% |