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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 | $48,536 | $46,877+3.5% | $122,354-60.3% | $70,126-30.8% |
| Participation rate | 63.5% | 58.2%+5.3pp | 71.6%-8.1pp | 69.5%-6.0pp |
| Annual return | 12.72% | 24.22%-11.5pp | 30.28%-17.6pp | 73.15%-60.4pp |
| Employer contribution / active EE | $1,206 | $1,288-6.4% | $4,051-70.2% | $2,343-48.5% |
| Participant deferral / active EE | $1,956 | $2,167-9.8% | $3,287-40.5% | $3,332-41.3% |
| Admin fee / account holder | $1,984 | $3,324-40.3% | $5,479-63.8% | $4,645-57.3% |