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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 | $58,571 | $55,713+5.1% | $75,901-22.8% | $72,975-19.7% |
| Participation rate | 62.3% | 61.1%+1.1pp | 69.3%-7.0pp | 69.5%-7.2pp |
| Annual return | 5.33% | 27.60%-22.3pp | 30.76%-25.4pp | 81.01%-75.7pp |
| Employer contribution / active EE | $1,536 | $1,687-8.9% | $2,501-38.6% | $2,440-37.1% |
| Participant deferral / active EE | $3,613 | $2,634+37.2% | $3,603+0.3% | $3,608+0.2% |
| Admin fee / account holder | $2,526 | $3,980-36.5% | $5,420-53.4% | $5,124-50.7% |