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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 | $77,573 | $81,446-4.8% | $103,374-25.0% | $80,874-4.1% |
| Participation rate | 65.6% | 66.9%-1.2pp | 74.5%-8.9pp | 67.6%-2.0pp |
| Annual return | 7.66% | 25.57%-17.9pp | 24.89%-17.2pp | 35.62%-28.0pp |
| Employer contribution / active EE | $849 | $3,107-72.7% | $3,869-78.1% | $2,756-69.2% |
| Participant deferral / active EE | $2,235 | $3,870-42.2% | $5,058-55.8% | $4,297-48.0% |
| Admin fee / account holder | $963 | $6,715-85.7% | $8,394-88.5% | $6,935-86.1% |