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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 | $77,505 | $95,404-18.8% | $113,397-31.7% | $82,637-6.2% |
| Participation rate | 54.3% | 72.8%-18.5pp | 76.5%-22.1pp | 68.1%-13.7pp |
| Annual return | 10.59% | 19.08%-8.5pp | 23.20%-12.6pp | 53.51%-42.9pp |
| Employer contribution / active EE | $830 | $2,307-64.0% | $2,977-72.1% | $2,552-67.5% |
| Participant deferral / active EE | $2,578 | $4,220-38.9% | $5,076-49.2% | $4,126-37.5% |
| Admin fee / account holder | $6,778 | $9,168-26.1% | $11,957-43.3% | $7,339-7.6% |