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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 | $70,153 | $60,442+16.1% | $96,754-27.5% | $87,485-19.8% |
| Participation rate | 52.1% | 58.7%-6.6pp | 70.3%-18.2pp | 68.9%-16.8pp |
| Annual return | 13.32% | 21.97%-8.7pp | 82.04%-68.7pp | 26.06%-12.7pp |
| Employer contribution / active EE | $730 | $1,691-56.8% | $2,679-72.8% | $2,596-71.9% |
| Participant deferral / active EE | $1,415 | $3,280-56.9% | $4,758-70.3% | $4,274-66.9% |
| Admin fee / account holder | $6,872 | $5,069+35.6% | $8,905-22.8% | $7,775-11.6% |