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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 | $57,685 | $54,541+5.8% | $78,778-26.8% | $70,126-17.7% |
| Participation rate | 63.6% | 60.8%+2.8pp | 69.2%-5.6pp | 69.5%-5.9pp |
| Annual return | 8.39% | 21.07%-12.7pp | 35.62%-27.2pp | 73.15%-64.8pp |
| Employer contribution / active EE | $1,393 | $1,089+27.9% | $1,986-29.9% | $2,343-40.6% |
| Participant deferral / active EE | $2,292 | $2,210+3.7% | $2,958-22.5% | $3,332-31.2% |
| Admin fee / account holder | $2,722 | $3,709-26.6% | $5,134-47.0% | $4,645-41.4% |