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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 | $69,212 | $48,078+44.0% | $78,676-12.0% | $62,881+10.1% |
| Participation rate | 67.6% | 65.2%+2.4pp | 73.6%-6.0pp | 69.3%-1.7pp |
| Annual return | 2.55% | 31.36%-28.8pp | 62.19%-59.6pp | 20.14%-17.6pp |
| Employer contribution / active EE | $404 | $2,015-79.9% | $2,850-85.8% | $2,281-82.3% |
| Participant deferral / active EE | $3,142 | $2,587+21.5% | $3,517-10.7% | $3,203-1.9% |
| Admin fee / account holder | $12,966 | $3,206+304.4% | $4,510+187.5% | $4,296+201.8% |