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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 | $77,746 | $57,119+36.1% | $85,187-8.7% | $80,935-3.9% |
| Participation rate | 60.7% | 56.4%+4.3pp | 67.5%-6.8pp | 67.7%-6.9pp |
| Annual return | 9.78% | 21.70%-11.9pp | 66.67%-56.9pp | 35.66%-25.9pp |
| Employer contribution / active EE | $2,698 | $1,802+49.8% | $2,732-1.3% | $2,757-2.1% |
| Participant deferral / active EE | $5,792 | $3,115+85.9% | $4,525+28.0% | $4,299+34.7% |
| Admin fee / account holder | $1,838 | $4,990-63.2% | $6,162-70.2% | $6,924-73.5% |