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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 | $84,809 | $41,377+105.0% | $109,313-22.4% | $62,881+34.9% |
| Participation rate | 60.0% | 57.5%+2.5pp | 71.3%-11.3pp | 69.3%-9.3pp |
| Annual return | 4.80% | 11.05%-6.3pp | 22.07%-17.3pp | 20.14%-15.3pp |
| Employer contribution / active EE | $3,138 | $1,276+145.9% | $3,892-19.4% | $2,281+37.6% |
| Participant deferral / active EE | $3,367 | $2,045+64.7% | $3,166+6.3% | $3,203+5.1% |
| Admin fee / account holder | $853 | $2,884-70.4% | $5,666-84.9% | $4,296-80.1% |