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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 | $73,116 | $81,504-10.3% | $102,437-28.6% | $80,959-9.7% |
| Participation rate | 68.0% | 66.9%+1.1pp | 74.5%-6.5pp | 67.7%+0.3pp |
| Annual return | 10.00% | 25.60%-15.6pp | 24.95%-14.9pp | 35.67%-25.7pp |
| Employer contribution / active EE | $4,240 | $3,104+36.6% | $3,871+9.6% | $2,757+53.8% |
| Participant deferral / active EE | $7,626 | $3,871+97.0% | $5,060+50.7% | $4,300+77.3% |
| Admin fee / account holder | $832 | $6,719-87.6% | $8,388-90.1% | $6,925-88.0% |