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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 | $86,753 | $93,617-7.3% | $135,982-36.2% | $75,177+15.4% |
| Participation rate | 60.7% | 75.2%-14.5pp | 81.9%-21.2pp | 67.2%-6.5pp |
| Annual return | 14.16% | 30.89%-16.7pp | 68.32%-54.2pp | 160.75%-146.6pp |
| Employer contribution / active EE | $2,024 | $3,538-42.8% | $4,859-58.3% | $2,671-24.2% |
| Participant deferral / active EE | $4,451 | $6,406-30.5% | $7,760-42.6% | $4,126+7.9% |
| Admin fee / account holder | $2,123 | $6,980-69.6% | $10,767-80.3% | $5,651-62.4% |