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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 | $68,229 | $60,349+13.1% | $74,184-8.0% | $62,881+8.5% |
| Participation rate | 63.0% | 72.7%-9.8pp | 76.6%-13.7pp | 69.3%-6.3pp |
| Annual return | -1.62% | 21.38%-23.0pp | 17.74%-19.4pp | 20.14%-21.8pp |
| Employer contribution / active EE | $878 | $1,680-47.7% | $2,370-62.9% | $2,281-61.5% |
| Participant deferral / active EE | $2,970 | $2,856+4.0% | $3,550-16.3% | $3,203-7.3% |
| Admin fee / account holder | $1,969 | $4,261-53.8% | $5,586-64.8% | $4,296-54.2% |