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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 | $94,869 | $84,953+11.7% | $163,379-41.9% | $82,637+14.8% |
| Participation rate | 60.0% | 65.9%-5.9pp | 76.8%-16.8pp | 68.1%-8.1pp |
| Annual return | 12.30% | 23.07%-10.8pp | 63.41%-51.1pp | 53.51%-41.2pp |
| Employer contribution / active EE | $2,374 | $2,183+8.7% | $3,752-36.7% | $2,552-7.0% |
| Participant deferral / active EE | $7,372 | $4,326+70.4% | $6,282+17.4% | $4,126+78.7% |
| Admin fee / account holder | $3,956 | $7,921-50.1% | $9,818-59.7% | $7,339-46.1% |