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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 | $100,194-22.6% | $122,979-37.0% | $86,983-10.9% |
| Participation rate | 54.3% | 73.0%-18.6pp | 77.2%-22.8pp | 69.5%-15.2pp |
| Annual return | 10.59% | 16.47%-5.9pp | 20.12%-9.5pp | 25.83%-15.2pp |
| Employer contribution / active EE | $830 | $2,326-64.3% | $3,062-72.9% | $2,584-67.9% |
| Participant deferral / active EE | $2,578 | $4,133-37.6% | $5,003-48.5% | $4,194-38.5% |
| Admin fee / account holder | $6,778 | $10,148-33.2% | $12,864-47.3% | $7,856-13.7% |