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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 | $67,708 | $58,512+15.7% | $84,020-19.4% | $72,983-7.2% |
| Participation rate | 67.9% | 61.2%+6.6pp | 69.0%-1.2pp | 69.5%-1.6pp |
| Annual return | 14.68% | 28.93%-14.3pp | 71.31%-56.6pp | 81.01%-66.3pp |
| Employer contribution / active EE | $618 | $1,163-46.9% | $1,984-68.8% | $2,440-74.7% |
| Participant deferral / active EE | $1,901 | $2,394-20.6% | $3,239-41.3% | $3,608-47.3% |
| Admin fee / account holder | $1,970 | $4,569-56.9% | $6,101-67.7% | $5,124-61.6% |