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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 | $72,999 | $86,949-16.0% | $102,460-28.8% | $80,959-9.8% |
| Participation rate | 63.5% | 72.4%-8.9pp | 76.5%-13.0pp | 67.7%-4.2pp |
| Annual return | 9.77% | 18.89%-9.1pp | 29.47%-19.7pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,300 | $2,370-45.1% | $3,025-57.0% | $2,757-52.8% |
| Participant deferral / active EE | $2,788 | $4,121-32.4% | $5,056-44.9% | $4,300-35.2% |
| Admin fee / account holder | $740 | $8,048-90.8% | $9,460-92.2% | $6,925-89.3% |