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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 | $35,969 | $47,848-24.8% | $81,473-55.9% | $70,126-48.7% |
| Participation rate | 63.9% | 58.3%+5.6pp | 68.0%-4.1pp | 69.5%-5.7pp |
| Annual return | 12.02% | 27.25%-15.2pp | 38.78%-26.8pp | 73.15%-61.1pp |
| Employer contribution / active EE | $1,551 | $1,527+1.5% | $2,568-39.6% | $2,343-33.8% |
| Participant deferral / active EE | $3,456 | $2,453+40.9% | $3,537-2.3% | $3,332+3.7% |
| Admin fee / account holder | $2,819 | $3,145-10.4% | $4,561-38.2% | $4,645-39.3% |