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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 | $88,674 | $71,197+24.5% | $93,669-5.3% | $80,925+9.6% |
| Participation rate | 61.8% | 60.4%+1.4pp | 68.7%-7.0pp | 67.7%-5.9pp |
| Annual return | 8.50% | 11.27%-2.8pp | 133.59%-125.1pp | 35.65%-27.2pp |
| Employer contribution / active EE | $910 | $1,565-41.9% | $2,424-62.5% | $2,756-67.0% |
| Participant deferral / active EE | $2,149 | $4,036-46.8% | $4,416-51.3% | $4,299-50.0% |
| Admin fee / account holder | $614 | $6,959-91.2% | $8,291-92.6% | $6,940-91.1% |