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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 | $68,306 | $56,110+21.7% | $94,993-28.1% | $70,126-2.6% |
| Participation rate | 68.5% | 65.0%+3.5pp | 73.9%-5.4pp | 69.5%-1.0pp |
| Annual return | 10.94% | 51.02%-40.1pp | 27.14%-16.2pp | 73.15%-62.2pp |
| Employer contribution / active EE | $660 | $1,442-54.2% | $2,603-74.6% | $2,343-71.8% |
| Participant deferral / active EE | $2,774 | $2,391+16.0% | $3,317-16.4% | $3,332-16.7% |
| Admin fee / account holder | $2,654 | $3,456-23.2% | $4,960-46.5% | $4,645-42.9% |