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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 | $68,960 | $74,535-7.5% | $100,712-31.5% | $82,637-16.6% |
| Participation rate | 67.3% | 61.2%+6.2pp | 69.3%-1.9pp | 68.1%-0.7pp |
| Annual return | 9.05% | 18.92%-9.9pp | 33.27%-24.2pp | 53.51%-44.5pp |
| Employer contribution / active EE | $1,133 | $1,503-24.6% | $2,313-51.0% | $2,552-55.6% |
| Participant deferral / active EE | $2,575 | $3,074-16.2% | $4,085-37.0% | $4,126-37.6% |
| Admin fee / account holder | $34,554 | $6,576+425.5% | $9,256+273.3% | $7,339+370.8% |