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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 | $69,978 | $138,385-49.4% | $184,200-62.0% | $80,874-13.5% |
| Participation rate | 68.0% | 83.9%-15.9pp | 86.8%-18.8pp | 67.6%+0.4pp |
| Annual return | 10.76% | 20.02%-9.3pp | 28.80%-18.0pp | 35.62%-24.9pp |
| Employer contribution / active EE | $2,850 | $4,849-41.2% | $6,424-55.6% | $2,756+3.4% |
| Participant deferral / active EE | $5,241 | $7,073-25.9% | $9,132-42.6% | $4,297+22.0% |
| Admin fee / account holder | $20,245 | $10,483+93.1% | $13,907+45.6% | $6,935+191.9% |