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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 | $60,236 | $85,515-29.6% | $112,040-46.2% | $67,986-11.4% |
| Participation rate | 64.5% | 68.2%-3.8pp | 76.5%-12.0pp | 57.2%+7.3pp |
| Annual return | 11.95% | 29.68%-17.7pp | 24.52%-12.6pp | 31.67%-19.7pp |
| Employer contribution / active EE | $2,088 | $2,191-4.7% | $2,954-29.3% | $2,019+3.4% |
| Participant deferral / active EE | $3,502 | $4,014-12.8% | $5,098-31.3% | $3,358+4.3% |
| Admin fee / account holder | $2,684 | $3,774-28.9% | $12,098-77.8% | $3,203-16.2% |