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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 | $83,178 | $81,504+2.1% | $102,437-18.8% | $80,959+2.7% |
| Participation rate | 64.5% | 66.9%-2.3pp | 74.5%-10.0pp | 67.7%-3.2pp |
| Annual return | 10.18% | 25.60%-15.4pp | 24.95%-14.8pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,015 | $3,104-35.1% | $3,871-48.0% | $2,757-26.9% |
| Participant deferral / active EE | $5,065 | $3,871+30.9% | $5,060+0.1% | $4,300+17.8% |
| Admin fee / account holder | $3,405 | $6,719-49.3% | $8,388-59.4% | $6,925-50.8% |