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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 | $68,820 | $81,504-15.6% | $102,437-32.8% | $80,959-15.0% |
| Participation rate | 54.4% | 66.9%-12.5pp | 74.5%-20.1pp | 67.7%-13.3pp |
| Annual return | 9.85% | 25.60%-15.7pp | 24.95%-15.1pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,825 | $3,104-41.2% | $3,871-52.9% | $2,757-33.8% |
| Participant deferral / active EE | $3,284 | $3,871-15.1% | $5,060-35.1% | $4,300-23.6% |
| Admin fee / account holder | $7,698 | $6,719+14.6% | $8,388-8.2% | $6,925+11.2% |