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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 | $86,953 | $76,834+13.2% | $108,359-19.8% | $87,485-0.6% |
| Participation rate | 58.1% | 61.7%-3.7pp | 70.1%-12.1pp | 68.9%-10.9pp |
| Annual return | 11.32% | 19.09%-7.8pp | 36.89%-25.6pp | 26.06%-14.7pp |
| Employer contribution / active EE | $1,383 | $1,556-11.1% | $2,399-42.4% | $2,596-46.7% |
| Participant deferral / active EE | $3,082 | $3,100-0.6% | $4,137-25.5% | $4,274-27.9% |
| Admin fee / account holder | $5,180 | $6,537-20.8% | $9,741-46.8% | $7,775-33.4% |