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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 | $71,123 | $60,442+17.7% | $96,754-26.5% | $87,485-18.7% |
| Participation rate | 60.7% | 58.7%+2.0pp | 70.3%-9.6pp | 68.9%-8.2pp |
| Annual return | 12.52% | 21.97%-9.5pp | 82.04%-69.5pp | 26.06%-13.5pp |
| Employer contribution / active EE | $714 | $1,691-57.7% | $2,679-73.3% | $2,596-72.5% |
| Participant deferral / active EE | $5,832 | $3,280+77.8% | $4,758+22.6% | $4,274+36.5% |
| Admin fee / account holder | $7,046 | $5,069+39.0% | $8,905-20.9% | $7,775-9.4% |