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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 | $119,522 | $58,099+105.7% | $76,902+55.4% | $75,177+59.0% |
| Participation rate | 64.3% | 63.9%+0.4pp | 69.6%-5.3pp | 67.2%-2.9pp |
| Annual return | 1.57% | 26.71%-25.1pp | 37.91%-36.3pp | 160.75%-159.2pp |
| Employer contribution / active EE | $1,373 | $1,996-31.2% | $2,534-45.8% | $2,671-48.6% |
| Participant deferral / active EE | $3,885 | $2,999+29.5% | $3,833+1.4% | $4,126-5.8% |
| Admin fee / account holder | $4,709 | $4,778-1.4% | $5,479-14.1% | $5,651-16.7% |