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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 | $80,412 | $76,371+5.3% | $93,621-14.1% | $72,976+10.2% |
| Participation rate | 67.9% | 71.8%-3.9pp | 75.8%-8.0pp | 69.5%-1.6pp |
| Annual return | 8.97% | 25.82%-16.9pp | 32.76%-23.8pp | 81.02%-72.0pp |
| Employer contribution / active EE | $1,098 | $2,276-51.8% | $2,719-59.6% | $2,440-55.0% |
| Participant deferral / active EE | $2,201 | $3,538-37.8% | $4,070-45.9% | $3,608-39.0% |
| Admin fee / account holder | $685 | $6,839-90.0% | $7,890-91.3% | $5,124-86.6% |