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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 | $76,096 | $67,606+12.6% | $82,313-7.6% | $70,124+8.5% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.9%-13.7pp | 69.5%-6.4pp |
| Annual return | 7.22% | 21.57%-14.3pp | 25.88%-18.7pp | 73.14%-65.9pp |
| Employer contribution / active EE | $1,043 | $1,755-40.6% | $2,428-57.0% | $2,342-55.5% |
| Participant deferral / active EE | $2,572 | $2,987-13.9% | $3,706-30.6% | $3,332-22.8% |
| Admin fee / account holder | $2,793 | $4,512-38.1% | $5,608-50.2% | $4,645-39.9% |