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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 | $66,366 | $97,648-32.0% | $121,663-45.5% | $87,485-24.1% |
| Participation rate | 69.1% | 70.5%-1.4pp | 74.5%-5.4pp | 68.9%+0.2pp |
| Annual return | 11.29% | 18.03%-6.7pp | 147.54%-136.3pp | 26.06%-14.8pp |
| Employer contribution / active EE | $1,084 | $2,300-52.9% | $3,020-64.1% | $2,596-58.2% |
| Participant deferral / active EE | $2,902 | $3,923-26.0% | $4,887-40.6% | $4,274-32.1% |
| Admin fee / account holder | $8,130 | $11,100-26.8% | $14,289-43.1% | $7,775+4.6% |