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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 | $96,360 | $70,430+36.8% | $96,572-0.2% | $85,851+12.2% |
| Participation rate | 62.2% | 61.8%+0.4pp | 69.8%-7.6pp | 69.3%-7.1pp |
| Annual return | 10.51% | 18.58%-8.1pp | 37.79%-27.3pp | 318.63%-308.1pp |
| Employer contribution / active EE | $682 | $1,413-51.7% | $2,357-71.0% | $2,565-73.4% |
| Participant deferral / active EE | $2,492 | $2,894-13.9% | $3,850-35.3% | $3,952-36.9% |
| Admin fee / account holder | $6,324 | $4,996+26.6% | $6,183+2.3% | $6,261+1.0% |