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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 | $66,711 | $36,948+80.6% | $73,658-9.4% | $87,485-23.7% |
| Participation rate | 50.0% | 46.8%+3.2pp | 57.0%-7.0pp | 68.9%-18.9pp |
| Annual return | 12.87% | 28.64%-15.8pp | 29.72%-16.9pp | 26.06%-13.2pp |
| Employer contribution / active EE | $697 | $670+4.0% | $1,032-32.5% | $2,596-73.1% |
| Participant deferral / active EE | $1,829 | $1,379+32.6% | $2,062-11.3% | $4,274-57.2% |
| Admin fee / account holder | $1,976 | $2,531-21.9% | $3,357-41.1% | $7,775-74.6% |