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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 | $81,474 | $81,4870% | $102,412-20.4% | $80,935+0.7% |
| Participation rate | 64.3% | 66.8%-2.6pp | 74.5%-10.2pp | 67.7%-3.4pp |
| Annual return | 9.72% | 25.60%-15.9pp | 24.94%-15.2pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,795 | $3,103-42.2% | $3,870-53.6% | $2,757-34.9% |
| Participant deferral / active EE | $4,780 | $3,871+23.5% | $5,060-5.5% | $4,299+11.2% |
| Admin fee / account holder | $2,193 | $6,717-67.3% | $8,388-73.8% | $6,924-68.3% |