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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 | $68,200 | $73,787-7.6% | $98,716-30.9% | $82,448-17.3% |
| Participation rate | 55.8% | 61.4%-5.6pp | 69.3%-13.5pp | 68.1%-12.3pp |
| Annual return | 9.55% | 18.57%-9.0pp | 31.81%-22.3pp | 41.64%-32.1pp |
| Employer contribution / active EE | $1,766 | $1,511+16.8% | $2,279-22.5% | $2,551-30.8% |
| Participant deferral / active EE | $4,314 | $3,081+40.0% | $4,048+6.6% | $4,139+4.2% |
| Admin fee / account holder | $13,259 | $6,500+104.0% | $8,703+52.4% | $7,234+83.3% |