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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 | $65,692 | $76,834-14.5% | $108,359-39.4% | $87,485-24.9% |
| Participation rate | 62.7% | 61.7%+1.0pp | 70.1%-7.4pp | 68.9%-6.2pp |
| Annual return | 11.96% | 19.09%-7.1pp | 36.89%-24.9pp | 26.06%-14.1pp |
| Employer contribution / active EE | $1,087 | $1,556-30.2% | $2,399-54.7% | $2,596-58.1% |
| Participant deferral / active EE | $2,226 | $3,100-28.2% | $4,137-46.2% | $4,274-47.9% |
| Admin fee / account holder | $1,633 | $6,537-75.0% | $9,741-83.2% | $7,775-79.0% |