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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 | $22,211 | $69,273-67.9% | $90,796-75.5% | $82,637-73.1% |
| Participation rate | 64.3% | 64.0%+0.3pp | 69.5%-5.2pp | 68.1%-3.8pp |
| Annual return | 9.63% | 18.37%-8.7pp | 19.29%-9.7pp | 53.51%-43.9pp |
| Employer contribution / active EE | $1,834 | $1,865-1.7% | $2,294-20.1% | $2,552-28.1% |
| Participant deferral / active EE | $3,710 | $3,047+21.7% | $3,822-2.9% | $4,126-10.1% |
| Admin fee / account holder | $7,376 | $5,511+33.8% | $7,024+5.0% | $7,339+0.5% |