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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 | $71,056 | $81,276-12.6% | $155,574-54.3% | $80,925-12.2% |
| Participation rate | 68.4% | 66.2%+2.2pp | 78.2%-9.8pp | 67.7%+0.8pp |
| Annual return | 10.13% | 33.36%-23.2pp | 64.87%-54.7pp | 35.65%-25.5pp |
| Employer contribution / active EE | $2,411 | $3,103-22.3% | $4,676-48.4% | $2,756-12.5% |
| Participant deferral / active EE | $6,564 | $3,453+90.1% | $5,629+16.6% | $4,299+52.7% |
| Admin fee / account holder | $1,173 | $7,993-85.3% | $15,914-92.6% | $6,940-83.1% |