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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 | $69,720 | $86,940-19.8% | $102,434-31.9% | $80,935-13.9% |
| Participation rate | 63.5% | 72.4%-8.9pp | 76.5%-13.0pp | 67.7%-4.2pp |
| Annual return | 9.06% | 18.89%-9.8pp | 29.46%-20.4pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,832 | $2,370-22.7% | $3,023-39.4% | $2,757-33.5% |
| Participant deferral / active EE | $3,353 | $4,121-18.6% | $5,055-33.7% | $4,299-22.0% |
| Admin fee / account holder | $828 | $8,047-89.7% | $9,462-91.3% | $6,924-88.0% |