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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 | $87,657 | $69,444+26.2% | $92,985-5.7% | $87,485+0.2% |
| Participation rate | 46.2% | 63.3%-17.1pp | 69.5%-23.3pp | 68.9%-22.8pp |
| Annual return | 12.11% | 23.85%-11.7pp | 27.99%-15.9pp | 26.06%-13.9pp |
| Employer contribution / active EE | $1,579 | $1,917-17.6% | $2,662-40.7% | $2,596-39.2% |
| Participant deferral / active EE | $2,665 | $3,364-20.8% | $4,377-39.1% | $4,274-37.6% |
| Admin fee / account holder | $18,926 | $6,137+208.4% | $9,463+100.0% | $7,775+143.4% |