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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 | $97,771 | $77,358+26.4% | $102,184-4.3% | $87,485+11.8% |
| Participation rate | 68.0% | 78.7%-10.7pp | 82.6%-14.6pp | 68.9%-0.9pp |
| Annual return | 12.72% | 41.11%-28.4pp | 31.58%-18.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $485 | $2,562-81.1% | $3,594-86.5% | $2,596-81.3% |
| Participant deferral / active EE | $4,765 | $6,753-29.4% | $8,309-42.7% | $4,274+11.5% |
| Admin fee / account holder | $714 | $6,809-89.5% | $11,609-93.9% | $7,775-90.8% |