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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 | $76,204 | $48,053+58.6% | $84,623-9.9% | $72,983+4.4% |
| Participation rate | 65.5% | 57.6%+7.9pp | 68.2%-2.7pp | 69.5%-4.0pp |
| Annual return | 17.60% | 37.39%-19.8pp | 258.77%-241.2pp | 81.01%-63.4pp |
| Employer contribution / active EE | $625 | $1,602-61.0% | $2,652-76.4% | $2,440-74.4% |
| Participant deferral / active EE | $1,701 | $2,681-36.6% | $3,899-56.4% | $3,608-52.9% |
| Admin fee / account holder | $889 | $3,395-73.8% | $4,913-81.9% | $5,124-82.7% |