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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 | $83,268 | $77,896+6.9% | $134,172-37.9% | $82,448+1.0% |
| Participation rate | 64.5% | 62.8%+1.7pp | 72.5%-7.9pp | 68.1%-3.6pp |
| Annual return | 11.44% | 18.21%-6.8pp | 25.30%-13.9pp | 41.64%-30.2pp |
| Employer contribution / active EE | $864 | $2,159-60.0% | $3,420-74.7% | $2,551-66.1% |
| Participant deferral / active EE | $1,602 | $3,162-49.3% | $4,690-65.9% | $4,139-61.3% |
| Admin fee / account holder | $10,051 | $6,336+58.6% | $12,016-16.4% | $7,234+38.9% |