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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 | $59,511 | $64,734-8.1% | $90,796-34.5% | $64,097-7.2% |
| Participation rate | 57.9% | 53.2%+4.6pp | 69.5%-11.6pp | 55.2%+2.7pp |
| Annual return | 8.71% | 17.77%-9.1pp | 19.29%-10.6pp | 34.64%-25.9pp |
| Employer contribution / active EE | $1,154 | $1,703-32.2% | $2,294-49.7% | $1,891-39.0% |
| Participant deferral / active EE | $2,442 | $2,629-7.1% | $3,822-36.1% | $3,080-20.7% |
| Admin fee / account holder | $5,020 | $3,474+44.5% | $7,024-28.5% | $3,454+45.3% |