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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 | $48,277 | $74,535-35.2% | $100,712-52.1% | $82,637-41.6% |
| Participation rate | 63.2% | 61.2%+2.0pp | 69.3%-6.1pp | 68.1%-4.9pp |
| Annual return | 8.11% | 18.92%-10.8pp | 33.27%-25.2pp | 53.51%-45.4pp |
| Employer contribution / active EE | $1,082 | $1,503-28.0% | $2,313-53.2% | $2,552-57.6% |
| Participant deferral / active EE | $2,939 | $3,074-4.4% | $4,085-28.1% | $4,126-28.8% |
| Admin fee / account holder | $2,486 | $6,576-62.2% | $9,256-73.1% | $7,339-66.1% |