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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 | $58,057+22.5% | $97,032-26.7% | $86,983-18.2% |
| Participation rate | 60.7% | 60.4%+0.4pp | 71.6%-10.9pp | 69.5%-8.8pp |
| Annual return | 12.52% | 22.26%-9.7pp | 35.38%-22.9pp | 25.83%-13.3pp |
| Employer contribution / active EE | $714 | $1,663-57.1% | $2,629-72.8% | $2,584-72.4% |
| Participant deferral / active EE | $5,832 | $3,244+79.8% | $4,672+24.8% | $4,194+39.1% |
| Admin fee / account holder | $7,046 | $4,839+45.6% | $9,418-25.2% | $7,856-10.3% |