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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 | $50,941 | $51,222-0.5% | $70,544-27.8% | $75,173-32.2% |
| Participation rate | 68.0% | 61.0%+7.0pp | 68.4%-0.4pp | 67.2%+0.8pp |
| Annual return | 12.60% | 30.06%-17.5pp | 32.79%-20.2pp | 160.72%-148.1pp |
| Employer contribution / active EE | $2,048 | $1,827+12.1% | $2,976-31.2% | $2,671-23.3% |
| Participant deferral / active EE | $3,752 | $2,850+31.6% | $4,568-17.9% | $4,126-9.1% |
| Admin fee / account holder | $2,168 | $4,096-47.1% | $6,427-66.3% | $5,651-61.6% |