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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 | $65,909 | $63,904+3.1% | $89,340-26.2% | $67,986-3.1% |
| Participation rate | 61.5% | 54.3%+7.2pp | 69.6%-8.0pp | 57.2%+4.3pp |
| Annual return | 11.96% | 18.09%-6.1pp | 20.57%-8.6pp | 31.67%-19.7pp |
| Employer contribution / active EE | $1,711 | $1,627+5.1% | $2,231-23.3% | $2,019-15.3% |
| Participant deferral / active EE | $2,750 | $2,691+2.2% | $3,823-28.1% | $3,358-18.1% |
| Admin fee / account holder | $996 | $3,315-69.9% | $6,704-85.1% | $3,203-68.9% |