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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 | $73,546 | $81,476-9.7% | $102,383-28.2% | $80,925-9.1% |
| Participation rate | 54.7% | 66.8%-12.2pp | 74.5%-19.8pp | 67.7%-13.0pp |
| Annual return | 9.84% | 25.59%-15.8pp | 24.94%-15.1pp | 35.65%-25.8pp |
| Employer contribution / active EE | $1,178 | $3,105-62.1% | $3,870-69.6% | $2,756-57.3% |
| Participant deferral / active EE | $4,153 | $3,871+7.3% | $5,060-17.9% | $4,299-3.4% |
| Admin fee / account holder | $10,778 | $6,717+60.4% | $8,391+28.4% | $6,940+55.3% |