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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 | $65,713 | $69,590-5.6% | $136,867-52.0% | $94,015-30.1% |
| Participation rate | 68.2% | 66.3%+1.9pp | 74.5%-6.4pp | 70.8%-2.6pp |
| Annual return | 4.62% | 19.62%-15.0pp | 42.97%-38.4pp | 17.84%-13.2pp |
| Employer contribution / active EE | $4,046 | $2,396+68.8% | $3,547+14.1% | $2,790+45.0% |
| Participant deferral / active EE | $2,523 | $3,437-26.6% | $4,924-48.8% | $4,249-40.6% |
| Admin fee / account holder | $18,478 | $8,912+107.3% | $10,340+78.7% | $8,951+106.4% |