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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 | $63,843 | $45,082+41.6% | $69,464-8.1% | $72,975-12.5% |
| Participation rate | 63.3% | 68.5%-5.2pp | 74.6%-11.3pp | 69.5%-6.2pp |
| Annual return | 3.88% | 22.66%-18.8pp | 28.98%-25.1pp | 81.01%-77.1pp |
| Employer contribution / active EE | $716 | $2,055-65.2% | $2,779-74.3% | $2,440-70.7% |
| Participant deferral / active EE | $3,441 | $2,604+32.1% | $3,536-2.7% | $3,608-4.6% |
| Admin fee / account holder | $15,817 | $3,057+417.4% | $3,840+311.9% | $5,124+208.7% |