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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 | $58,848-14.6% | $88,179-43.0% | $82,637-39.2% |
| Participation rate | 62.1% | 57.9%+4.2pp | 69.1%-7.1pp | 68.1%-6.0pp |
| Annual return | 12.86% | 22.76%-9.9pp | 64.97%-52.1pp | 53.51%-40.6pp |
| Employer contribution / active EE | $1,292 | $1,678-23.0% | $2,549-49.3% | $2,552-49.4% |
| Participant deferral / active EE | $6,080 | $3,124+94.6% | $4,614+31.8% | $4,126+47.3% |
| Admin fee / account holder | $8,828 | $4,795+84.1% | $7,673+15.1% | $7,339+20.3% |