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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 | $46,874 | $54,541-14.1% | $78,778-40.5% | $70,126-33.2% |
| Participation rate | 67.2% | 60.8%+6.4pp | 69.2%-1.9pp | 69.5%-2.3pp |
| Annual return | 8.61% | 21.07%-12.5pp | 35.62%-27.0pp | 73.15%-64.5pp |
| Employer contribution / active EE | $1,269 | $1,089+16.6% | $1,986-36.1% | $2,343-45.8% |
| Participant deferral / active EE | $3,473 | $2,210+57.2% | $2,958+17.4% | $3,332+4.3% |
| Admin fee / account holder | $2,993 | $3,709-19.3% | $5,134-41.7% | $4,645-35.6% |