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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 | $80,854 | $58,848+37.4% | $88,179-8.3% | $82,637-2.2% |
| Participation rate | 60.0% | 57.9%+2.1pp | 69.1%-9.1pp | 68.1%-8.1pp |
| Annual return | 9.85% | 22.76%-12.9pp | 64.97%-55.1pp | 53.51%-43.7pp |
| Employer contribution / active EE | $883 | $1,678-47.4% | $2,549-65.4% | $2,552-65.4% |
| Participant deferral / active EE | $2,579 | $3,124-17.4% | $4,614-44.1% | $4,126-37.5% |
| Admin fee / account holder | $3,941 | $4,795-17.8% | $7,673-48.6% | $7,339-46.3% |