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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 | $57,670 | $78,015-26.1% | $178,505-67.7% | $80,959-28.8% |
| Participation rate | 67.4% | 65.7%+1.7pp | 77.1%-9.7pp | 67.7%-0.3pp |
| Annual return | 8.76% | 18.10%-9.3pp | 27.16%-18.4pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,045 | $2,281-54.2% | $3,955-73.6% | $2,757-62.1% |
| Participant deferral / active EE | $1,776 | $4,406-59.7% | $6,280-71.7% | $4,300-58.7% |
| Admin fee / account holder | $22,449 | $7,160+213.5% | $10,428+115.3% | $6,925+224.2% |