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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 | $79,377 | $95,404-16.8% | $113,397-30.0% | $82,637-3.9% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 11.76% | 19.08%-7.3pp | 23.20%-11.4pp | 53.51%-41.7pp |
| Employer contribution / active EE | $865 | $2,307-62.5% | $2,977-71.0% | $2,552-66.1% |
| Participant deferral / active EE | $2,506 | $4,220-40.6% | $5,076-50.6% | $4,126-39.3% |
| Admin fee / account holder | $9,917 | $9,168+8.2% | $11,957-17.1% | $7,339+35.1% |