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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 | $50,240 | $58,057-13.5% | $97,032-48.2% | $86,983-42.2% |
| Participation rate | 62.1% | 60.4%+1.7pp | 71.6%-9.5pp | 69.5%-7.5pp |
| Annual return | 12.86% | 22.26%-9.4pp | 35.38%-22.5pp | 25.83%-13.0pp |
| Employer contribution / active EE | $1,292 | $1,663-22.3% | $2,629-50.8% | $2,584-50.0% |
| Participant deferral / active EE | $6,080 | $3,244+87.4% | $4,672+30.1% | $4,194+45.0% |
| Admin fee / account holder | $8,828 | $4,839+82.5% | $9,418-6.3% | $7,856+12.4% |