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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 | $79,371 | $86,940-8.7% | $102,434-22.5% | $80,935-1.9% |
| Participation rate | 69.0% | 72.4%-3.4pp | 76.5%-7.5pp | 67.7%+1.3pp |
| Annual return | 9.71% | 18.89%-9.2pp | 29.46%-19.7pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,330 | $4,121+5.1% | $5,055-14.3% | $4,299+0.7% |
| Admin fee / account holder | $4,632 | $8,047-42.4% | $9,462-51.0% | $6,924-33.1% |