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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 | $51,078 | $77,574-34.2% | $108,753-53.0% | $86,983-41.3% |
| Participation rate | 63.4% | 62.3%+1.1pp | 71.1%-7.7pp | 69.5%-6.1pp |
| Annual return | 11.05% | 18.42%-7.4pp | 37.47%-26.4pp | 25.83%-14.8pp |
| Employer contribution / active EE | $1,197 | $1,611-25.7% | $2,427-50.7% | $2,584-53.7% |
| Participant deferral / active EE | $2,290 | $3,128-26.8% | $4,115-44.3% | $4,194-45.4% |
| Admin fee / account holder | $1,900 | $6,529-70.9% | $10,320-81.6% | $7,856-75.8% |