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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 | $138,393-49.4% | $184,256-62.0% | $80,959-13.6% |
| Participation rate | 68.0% | 83.9%-15.9pp | 86.8%-18.8pp | 67.7%+0.3pp |
| Annual return | 10.76% | 20.01%-9.2pp | 28.85%-18.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,850 | $4,847-41.2% | $6,427-55.7% | $2,757+3.4% |
| Participant deferral / active EE | $5,241 | $7,076-25.9% | $9,133-42.6% | $4,300+21.9% |
| Admin fee / account holder | $20,245 | $10,489+93.0% | $13,899+45.7% | $6,925+192.3% |