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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 | $65,321 | $89,515-27.0% | $103,486-36.9% | $80,935-19.3% |
| Participation rate | 68.0% | 76.0%-8.0pp | 80.5%-12.5pp | 67.7%+0.3pp |
| Annual return | 10.21% | 22.82%-12.6pp | 23.93%-13.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,909 | $4,015-52.5% | $4,679-59.2% | $2,757-30.7% |
| Participant deferral / active EE | $4,619 | $5,463-15.4% | $6,628-30.3% | $4,299+7.4% |
| Admin fee / account holder | $6,564 | $6,527+0.6% | $9,354-29.8% | $6,924-5.2% |