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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 | $78,520+24.5% | $96,576+1.2% | $82,448+18.6% |
| Participation rate | 68.0% | 77.7%-9.7pp | 81.4%-13.4pp | 68.1%-0.1pp |
| Annual return | 12.72% | 41.30%-28.6pp | 38.47%-25.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $485 | $2,630-81.5% | $3,553-86.3% | $2,551-81.0% |
| Participant deferral / active EE | $4,765 | $6,754-29.5% | $7,956-40.1% | $4,139+15.1% |
| Admin fee / account holder | $714 | $13,455-94.7% | $11,381-93.7% | $7,234-90.1% |