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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 | $58,584 | $58,493+0.2% | $84,023-30.3% | $72,976-19.7% |
| Participation rate | 66.3% | 61.2%+5.0pp | 69.0%-2.8pp | 69.5%-3.2pp |
| Annual return | 16.44% | 28.93%-12.5pp | 71.32%-54.9pp | 81.02%-64.6pp |
| Employer contribution / active EE | $799 | $1,163-31.3% | $1,984-59.7% | $2,440-67.3% |
| Participant deferral / active EE | $1,867 | $2,394-22.0% | $3,239-42.3% | $3,608-48.2% |
| Admin fee / account holder | $1,051 | $4,569-77.0% | $6,102-82.8% | $5,124-79.5% |