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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 | $57,122 | $92,985-38.6% | $153,432-62.8% | $80,874-29.4% |
| Participation rate | 69.0% | 69.0%+0.1pp | 77.1%-8.1pp | 67.6%+1.4pp |
| Annual return | 10.10% | 19.95%-9.8pp | 15.66%-5.6pp | 35.62%-25.5pp |
| Employer contribution / active EE | $2,719 | $3,507-22.5% | $5,038-46.0% | $2,756-1.3% |
| Participant deferral / active EE | $4,032 | $5,178-22.1% | $6,757-40.3% | $4,297-6.2% |
| Admin fee / account holder | $6,863 | $8,880-22.7% | $12,725-46.1% | $6,935-1.0% |