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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 | $71,556 | $86,949-17.7% | $102,460-30.2% | $80,959-11.6% |
| Participation rate | 68.3% | 72.4%-4.1pp | 76.5%-8.2pp | 67.7%+0.7pp |
| Annual return | 8.25% | 18.89%-10.6pp | 29.47%-21.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $2,032 | $2,370-14.2% | $3,025-32.8% | $2,757-26.3% |
| Participant deferral / active EE | $3,869 | $4,121-6.1% | $5,056-23.5% | $4,300-10.0% |
| Admin fee / account holder | $4,969 | $8,048-38.3% | $9,460-47.5% | $6,925-28.2% |