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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 | $79,367 | $114,712-30.8% | $173,730-54.3% | $87,485-9.3% |
| Participation rate | 65.8% | 73.0%-7.2pp | 79.6%-13.8pp | 68.9%-3.1pp |
| Annual return | 10.99% | 20.18%-9.2pp | 19.96%-9.0pp | 26.06%-15.1pp |
| Employer contribution / active EE | $1,028 | $2,904-64.6% | $4,577-77.5% | $2,596-60.4% |
| Participant deferral / active EE | $4,161 | $4,642-10.4% | $6,326-34.2% | $4,274-2.6% |
| Admin fee / account holder | $14,294 | $10,210+40.0% | $17,523-18.4% | $7,775+83.8% |