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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 | $69,238 | $138,385-50.0% | $184,243-62.4% | $80,925-14.4% |
| Participation rate | 68.8% | 83.9%-15.1pp | 86.8%-18.1pp | 67.7%+1.1pp |
| Annual return | 10.38% | 20.02%-9.6pp | 28.82%-18.4pp | 35.65%-25.3pp |
| Employer contribution / active EE | $2,944 | $4,851-39.3% | $6,427-54.2% | $2,756+6.8% |
| Participant deferral / active EE | $4,896 | $7,075-30.8% | $9,132-46.4% | $4,299+13.9% |
| Admin fee / account holder | $1,016 | $10,489-90.3% | $13,914-92.7% | $6,940-85.4% |