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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 | $98,442 | $71,215+38.2% | $93,696+5.1% | $80,935+21.6% |
| Participation rate | 58.3% | 60.4%-2.1pp | 68.7%-10.4pp | 67.7%-9.3pp |
| Annual return | 9.79% | 11.27%-1.5pp | 133.74%-124.0pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,323 | $1,565-15.5% | $2,422-45.4% | $2,757-52.0% |
| Participant deferral / active EE | $3,816 | $4,037-5.5% | $4,417-13.6% | $4,299-11.2% |
| Admin fee / account holder | $2,933 | $6,958-57.8% | $8,287-64.6% | $6,924-57.6% |