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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 | $76,266 | $80,992-5.8% | $96,534-21.0% | $75,173+1.5% |
| Participation rate | 65.4% | 71.8%-6.4pp | 76.0%-10.6pp | 67.2%-1.8pp |
| Annual return | 12.70% | 27.05%-14.4pp | 25.88%-13.2pp | 160.72%-148.0pp |
| Employer contribution / active EE | $1,005 | $2,283-56.0% | $2,965-66.1% | $2,671-62.4% |
| Participant deferral / active EE | $2,562 | $3,929-34.8% | $4,851-47.2% | $4,126-37.9% |
| Admin fee / account holder | $2,951 | $6,717-56.1% | $8,253-64.2% | $5,651-47.8% |