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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 | $77,668 | $54,763+41.8% | $90,324-14.0% | $72,976+6.4% |
| Participation rate | 57.1% | 65.2%-8.0pp | 73.3%-16.1pp | 69.5%-12.3pp |
| Annual return | 14.71% | 30.63%-15.9pp | 78.15%-63.4pp | 81.02%-66.3pp |
| Employer contribution / active EE | $899 | $2,093-57.0% | $2,856-68.5% | $2,440-63.1% |
| Participant deferral / active EE | $2,194 | $2,887-24.0% | $3,885-43.5% | $3,608-39.2% |
| Admin fee / account holder | $1,394 | $3,973-64.9% | $5,356-74.0% | $5,124-72.8% |