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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 | $77,574+12.1% | $108,753-20.0% | $86,9830% |
| Participation rate | 58.1% | 62.3%-4.2pp | 71.1%-13.0pp | 69.5%-11.5pp |
| Annual return | 11.32% | 18.42%-7.1pp | 37.47%-26.1pp | 25.83%-14.5pp |
| Employer contribution / active EE | $1,383 | $1,611-14.1% | $2,427-43.0% | $2,584-46.5% |
| Participant deferral / active EE | $3,082 | $3,128-1.5% | $4,115-25.1% | $4,194-26.5% |
| Admin fee / account holder | $5,180 | $6,529-20.7% | $10,320-49.8% | $7,856-34.1% |