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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 | $59,214 | $93,598-36.7% | $135,974-56.5% | $75,173-21.2% |
| Participation rate | 67.9% | 75.2%-7.3pp | 81.9%-14.1pp | 67.2%+0.7pp |
| Annual return | 12.94% | 30.89%-18.0pp | 68.30%-55.4pp | 160.72%-147.8pp |
| Employer contribution / active EE | $2,331 | $3,538-34.1% | $4,859-52.0% | $2,671-12.7% |
| Participant deferral / active EE | $4,548 | $6,405-29.0% | $7,760-41.4% | $4,126+10.2% |
| Admin fee / account holder | $1,474 | $6,978-78.9% | $10,767-86.3% | $5,651-73.9% |