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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 | $77,872 | $106,749-27.1% | $145,433-46.5% | $82,448-5.6% |
| Participation rate | 62.2% | 75.6%-13.5pp | 82.1%-20.0pp | 68.1%-5.9pp |
| Annual return | 13.91% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $921 | $3,444-73.3% | $4,554-79.8% | $2,551-63.9% |
| Participant deferral / active EE | $6,445 | $6,519-1.1% | $7,897-18.4% | $4,139+55.7% |
| Admin fee / account holder | $5,567 | $8,390-33.6% | $13,129-57.6% | $7,234-23.0% |