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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 | $73,067 | $51,207+42.7% | $70,565+3.5% | $71,529+2.2% |
| Participation rate | 62.7% | 59.4%+3.4pp | 68.4%-5.6pp | 67.9%-5.2pp |
| Annual return | 13.54% | 42.71%-29.2pp | 32.79%-19.3pp | 28.97%-15.4pp |
| Employer contribution / active EE | $2,065 | $1,795+15.0% | $2,976-30.6% | $2,590-20.3% |
| Participant deferral / active EE | $4,644 | $3,033+53.1% | $4,568+1.7% | $4,291+8.2% |
| Admin fee / account holder | $8,546 | $2,002+327.0% | $6,430+32.9% | $1,588+438.0% |