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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 | $81,487-15.5% | $102,412-32.8% | $80,935-15.0% |
| Participation rate | 54.4% | 66.8%-12.5pp | 74.5%-20.1pp | 67.7%-13.3pp |
| Annual return | 9.85% | 25.60%-15.7pp | 24.94%-15.1pp | 35.66%-25.8pp |
| Employer contribution / active EE | $1,825 | $3,103-41.2% | $3,870-52.8% | $2,757-33.8% |
| Participant deferral / active EE | $3,284 | $3,871-15.1% | $5,060-35.1% | $4,299-23.6% |
| Admin fee / account holder | $7,698 | $6,717+14.6% | $8,388-8.2% | $6,924+11.2% |