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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 | $68,122 | $63,355+7.5% | $91,994-25.9% | $72,983-6.7% |
| Participation rate | 68.8% | 72.5%-3.8pp | 78.6%-9.9pp | 69.5%-0.7pp |
| Annual return | 13.85% | 35.35%-21.5pp | 69.03%-55.2pp | 81.01%-67.2pp |
| Employer contribution / active EE | $698 | $2,116-67.0% | $3,452-79.8% | $2,440-71.4% |
| Participant deferral / active EE | $5,107 | $4,883+4.6% | $5,923-13.8% | $3,608+41.6% |
| Admin fee / account holder | $8,867 | $4,668+89.9% | $7,743+14.5% | $5,124+73.0% |