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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 | $89,404 | $76,834+16.4% | $108,359-17.5% | $87,485+2.2% |
| Participation rate | 66.1% | 61.7%+4.3pp | 70.1%-4.1pp | 68.9%-2.9pp |
| Annual return | 7.51% | 19.09%-11.6pp | 36.89%-29.4pp | 26.06%-18.6pp |
| Employer contribution / active EE | $526 | $1,556-66.2% | $2,399-78.1% | $2,596-79.7% |
| Participant deferral / active EE | $3,879 | $3,100+25.1% | $4,137-6.2% | $4,274-9.2% |
| Admin fee / account holder | $6,468 | $6,537-1.1% | $9,741-33.6% | $7,775-16.8% |