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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 | $84,680 | $106,524-20.5% | $152,301-44.4% | $87,485-3.2% |
| Participation rate | 65.7% | 75.8%-10.0pp | 82.4%-16.7pp | 68.9%-3.2pp |
| Annual return | 9.85% | 26.89%-17.0pp | 80.50%-70.7pp | 26.06%-16.2pp |
| Employer contribution / active EE | $1,758 | $3,371-47.8% | $4,624-62.0% | $2,596-32.3% |
| Participant deferral / active EE | $4,123 | $6,525-36.8% | $8,004-48.5% | $4,274-3.5% |
| Admin fee / account holder | $750 | $8,287-91.0% | $14,398-94.8% | $7,775-90.4% |