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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 | $73,787-6.5% | $98,716-30.1% | $82,448-16.4% |
| Participation rate | 67.3% | 61.4%+5.9pp | 69.3%-1.9pp | 68.1%-0.7pp |
| Annual return | 9.05% | 18.57%-9.5pp | 31.81%-22.8pp | 41.64%-32.6pp |
| Employer contribution / active EE | $1,133 | $1,511-25.0% | $2,279-50.3% | $2,551-55.6% |
| Participant deferral / active EE | $2,575 | $3,081-16.4% | $4,048-36.4% | $4,139-37.8% |
| Admin fee / account holder | $34,554 | $6,500+431.6% | $8,703+297.0% | $7,234+377.6% |