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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 | $64,172 | $75,541-15.0% | $152,093-57.8% | $82,637-22.3% |
| Participation rate | 69.0% | 66.5%+2.5pp | 77.8%-8.7pp | 68.1%+1.0pp |
| Annual return | 12.97% | 32.56%-19.6pp | 66.36%-53.4pp | 53.51%-40.5pp |
| Employer contribution / active EE | $890 | $2,622-66.1% | $4,175-78.7% | $2,552-65.1% |
| Participant deferral / active EE | $3,529 | $3,206+10.1% | $5,451-35.3% | $4,126-14.5% |
| Admin fee / account holder | $3,619 | $6,405-43.5% | $14,497-75.0% | $7,339-50.7% |