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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 | $72,629 | $63,809+13.8% | $81,353-10.7% | $80,935-10.3% |
| Participation rate | 66.7% | 63.9%+2.8pp | 69.5%-2.9pp | 67.7%-1.0pp |
| Annual return | 9.04% | 16.37%-7.3pp | 24.82%-15.8pp | 35.66%-26.6pp |
| Employer contribution / active EE | $2,963 | $1,981+49.6% | $2,464+20.3% | $2,757+7.5% |
| Participant deferral / active EE | $2,529 | $3,093-18.2% | $3,885-34.9% | $4,299-41.2% |
| Admin fee / account holder | $6,378 | $5,686+12.2% | $5,766+10.6% | $6,924-7.9% |