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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 | $81,608 | $108,825-25.0% | $156,181-47.7% | $82,448-1.0% |
| Participation rate | 67.5% | 72.4%-4.9pp | 78.8%-11.3pp | 68.1%-0.6pp |
| Annual return | 9.91% | 20.59%-10.7pp | 64.87%-55.0pp | 41.64%-31.7pp |
| Employer contribution / active EE | $1,794 | $2,870-37.5% | $4,294-58.2% | $2,551-29.7% |
| Participant deferral / active EE | $2,635 | $4,577-42.4% | $6,132-57.0% | $4,139-36.3% |
| Admin fee / account holder | $11,572 | $9,341+23.9% | $14,586-20.7% | $7,234+60.0% |