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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 | $79,298 | $54,541+45.4% | $78,778+0.7% | $70,126+13.1% |
| Participation rate | 65.6% | 60.8%+4.8pp | 69.2%-3.6pp | 69.5%-3.9pp |
| Annual return | 12.17% | 21.07%-8.9pp | 35.62%-23.4pp | 73.15%-61.0pp |
| Employer contribution / active EE | $747 | $1,089-31.4% | $1,986-62.4% | $2,343-68.1% |
| Participant deferral / active EE | $1,964 | $2,210-11.1% | $2,958-33.6% | $3,332-41.0% |
| Admin fee / account holder | $5,834 | $3,709+57.3% | $5,134+13.6% | $4,645+25.6% |