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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 | $96,142 | $81,276+18.3% | $155,574-38.2% | $80,925+18.8% |
| Participation rate | 63.4% | 66.2%-2.8pp | 78.2%-14.8pp | 67.7%-4.2pp |
| Annual return | 8.94% | 33.36%-24.4pp | 64.87%-55.9pp | 35.65%-26.7pp |
| Employer contribution / active EE | $732 | $3,103-76.4% | $4,676-84.4% | $2,756-73.5% |
| Participant deferral / active EE | $3,438 | $3,453-0.4% | $5,629-38.9% | $4,299-20.0% |
| Admin fee / account holder | $2,716 | $7,993-66.0% | $15,914-82.9% | $6,940-60.9% |