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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 | $73,662 | $68,852+7.0% | $120,524-38.9% | $80,925-9.0% |
| Participation rate | 51.0% | 61.6%-10.6pp | 71.9%-20.9pp | 67.7%-16.6pp |
| Annual return | 8.95% | 23.67%-14.7pp | 107.36%-98.4pp | 35.65%-26.7pp |
| Employer contribution / active EE | $3,255 | $2,063+57.8% | $3,469-6.2% | $2,756+18.1% |
| Participant deferral / active EE | $1,261 | $3,187-60.4% | $4,994-74.7% | $4,299-70.7% |
| Admin fee / account holder | $3,305 | $5,781-42.8% | $9,440-65.0% | $6,940-52.4% |