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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 | $46,123 | $57,119-19.3% | $85,187-45.9% | $80,935-43.0% |
| Participation rate | 62.1% | 56.4%+5.7pp | 67.5%-5.5pp | 67.7%-5.6pp |
| Annual return | 10.50% | 21.70%-11.2pp | 66.67%-56.2pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,332 | $1,802-26.1% | $2,732-51.2% | $2,757-51.7% |
| Participant deferral / active EE | $3,064 | $3,115-1.6% | $4,525-32.3% | $4,299-28.7% |
| Admin fee / account holder | $12,364 | $4,990+147.8% | $6,162+100.7% | $6,924+78.6% |