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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 | $23,827 | $81,331-70.7% | $155,534-84.7% | $80,935-70.6% |
| Participation rate | 67.5% | 66.3%+1.2pp | 78.2%-10.7pp | 67.7%-0.2pp |
| Annual return | 9.67% | 33.37%-23.7pp | 64.92%-55.2pp | 35.66%-26.0pp |
| Employer contribution / active EE | $2,004 | $3,105-35.5% | $4,675-57.1% | $2,757-27.3% |
| Participant deferral / active EE | $3,184 | $3,454-7.8% | $5,630-43.4% | $4,299-25.9% |
| Admin fee / account holder | $5,144 | $7,999-35.7% | $15,900-67.6% | $6,924-25.7% |