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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 | $77,446 | $81,262-4.7% | $155,602-50.2% | $80,911-4.3% |
| Participation rate | 64.3% | 66.2%-2.0pp | 78.2%-13.9pp | 67.6%-3.4pp |
| Annual return | 10.03% | 33.34%-23.3pp | 64.81%-54.8pp | 35.63%-25.6pp |
| Employer contribution / active EE | $1,331 | $3,102-57.1% | $4,675-71.5% | $2,756-51.7% |
| Participant deferral / active EE | $3,618 | $3,451+4.8% | $5,629-35.7% | $4,297-15.8% |
| Admin fee / account holder | $3,793 | $7,992-52.5% | $15,923-76.2% | $6,935-45.3% |