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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 | $68,697 | $95,453-28.0% | $112,040-38.7% | $82,448-16.7% |
| Participation rate | 63.9% | 72.8%-8.8pp | 76.5%-12.6pp | 68.1%-4.1pp |
| Annual return | 11.39% | 23.92%-12.5pp | 24.52%-13.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $1,654 | $2,318-28.6% | $2,954-44.0% | $2,551-35.1% |
| Participant deferral / active EE | $3,472 | $4,224-17.8% | $5,098-31.9% | $4,139-16.1% |
| Admin fee / account holder | $645 | $9,013-92.8% | $12,098-94.7% | $7,234-91.1% |