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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 | $33,559 | $58,848-43.0% | $88,179-61.9% | $82,637-59.4% |
| Participation rate | 67.6% | 57.9%+9.7pp | 69.1%-1.5pp | 68.1%-0.4pp |
| Annual return | 10.41% | 22.76%-12.3pp | 64.97%-54.6pp | 53.51%-43.1pp |
| Employer contribution / active EE | $1,466 | $1,678-12.7% | $2,549-42.5% | $2,552-42.6% |
| Participant deferral / active EE | $2,259 | $3,124-27.7% | $4,614-51.0% | $4,126-45.2% |
| Admin fee / account holder | $3,182 | $4,795-33.6% | $7,673-58.5% | $7,339-56.6% |