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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 | $79,897 | $97,550-18.1% | $120,344-33.6% | $87,485-8.7% |
| Participation rate | 68.0% | 72.8%-4.8pp | 76.7%-8.7pp | 68.9%-0.9pp |
| Annual return | 7.44% | 18.41%-11.0pp | 20.30%-12.9pp | 26.06%-18.6pp |
| Employer contribution / active EE | $1,910 | $2,291-16.6% | $3,020-36.7% | $2,596-26.4% |
| Participant deferral / active EE | $4,116 | $4,230-2.7% | $5,135-19.8% | $4,274-3.7% |
| Admin fee / account holder | $14,438 | $9,543+51.3% | $12,742+13.3% | $7,775+85.7% |