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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 | $79,519 | $56,544+40.6% | $75,501+5.3% | $70,126+13.4% |
| Participation rate | 27.6% | 68.1%-40.5pp | 72.4%-44.8pp | 69.5%-42.0pp |
| Annual return | 11.24% | 23.59%-12.3pp | 27.35%-16.1pp | 73.15%-61.9pp |
| Employer contribution / active EE | $820 | $1,817-54.9% | $2,352-65.1% | $2,343-65.0% |
| Participant deferral / active EE | $2,069 | $2,580-19.8% | $3,142-34.2% | $3,332-37.9% |
| Admin fee / account holder | $544 | $3,827-85.8% | $5,801-90.6% | $4,645-88.3% |