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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 | $49,646 | $47,848+3.8% | $81,473-39.1% | $70,124-29.2% |
| Participation rate | 61.7% | 58.3%+3.4pp | 68.0%-6.3pp | 69.5%-7.8pp |
| Annual return | 11.94% | 27.25%-15.3pp | 38.78%-26.8pp | 73.14%-61.2pp |
| Employer contribution / active EE | $1,357 | $1,527-11.2% | $2,568-47.2% | $2,342-42.1% |
| Participant deferral / active EE | $2,755 | $2,453+12.3% | $3,537-22.1% | $3,332-17.3% |
| Admin fee / account holder | $418 | $3,145-86.7% | $4,561-90.8% | $4,645-91.0% |