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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 | $65,117 | $49,025+32.8% | $87,502-25.6% | $62,881+3.6% |
| Participation rate | 67.6% | 64.9%+2.8pp | 73.8%-6.2pp | 69.3%-1.7pp |
| Annual return | -0.48% | 10.02%-10.5pp | 12.21%-12.7pp | 20.14%-20.6pp |
| Employer contribution / active EE | $1,250 | $1,372-8.9% | $2,550-51.0% | $2,281-45.2% |
| Participant deferral / active EE | $2,639 | $2,289+15.3% | $3,149-16.2% | $3,203-17.6% |
| Admin fee / account holder | $2,258 | $4,065-44.5% | $4,221-46.5% | $4,296-47.4% |