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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 | $63,904-6.9% | $89,340-33.4% | $67,986-12.5% |
| Participation rate | 57.9% | 54.3%+3.5pp | 69.6%-11.7pp | 57.2%+0.6pp |
| Annual return | 8.71% | 18.09%-9.4pp | 20.57%-11.9pp | 31.67%-23.0pp |
| Employer contribution / active EE | $1,154 | $1,627-29.1% | $2,231-48.3% | $2,019-42.8% |
| Participant deferral / active EE | $2,442 | $2,691-9.3% | $3,823-36.1% | $3,358-27.3% |
| Admin fee / account holder | $5,020 | $3,315+51.5% | $6,704-25.1% | $3,203+56.7% |