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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 | $64,862 | $71,208-8.9% | $93,681-30.8% | $80,911-19.8% |
| Participation rate | 64.0% | 60.4%+3.6pp | 68.7%-4.7pp | 67.6%-3.6pp |
| Annual return | 8.93% | 11.27%-2.3pp | 133.47%-124.5pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,893 | $1,564+21.0% | $2,422-21.8% | $2,756-31.3% |
| Participant deferral / active EE | $3,226 | $4,035-20.1% | $4,415-26.9% | $4,297-24.9% |
| Admin fee / account holder | $2,307 | $6,951-66.8% | $8,290-72.2% | $6,935-66.7% |