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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 | $51,375 | $72,012-28.7% | $185,827-72.4% | $79,858-35.7% |
| Participation rate | 69.2% | 65.8%+3.5pp | 78.0%-8.8pp | 69.6%-0.4pp |
| Annual return | 6.73% | 23.12%-16.4pp | 35.96%-29.2pp | 31.72%-25.0pp |
| Employer contribution / active EE | $2,889 | $1,965+47.1% | $4,087-29.3% | $2,471+16.9% |
| Participant deferral / active EE | $5,292 | $3,779+40.0% | $5,633-6.1% | $3,740+41.5% |
| Admin fee / account holder | $10,526 | $4,513+133.3% | $9,502+10.8% | $5,306+98.4% |