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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 | $92,082 | $58,627+57.1% | $76,735+20.0% | $82,448+11.7% |
| Participation rate | 31.7% | 63.2%-31.5pp | 69.5%-37.8pp | 68.1%-36.3pp |
| Annual return | 11.93% | 39.10%-27.2pp | 29.77%-17.8pp | 41.64%-29.7pp |
| Employer contribution / active EE | $1,306 | $1,729-24.5% | $2,454-46.8% | $2,551-48.8% |
| Participant deferral / active EE | $3,330 | $3,134+6.3% | $4,088-18.5% | $4,139-19.5% |
| Admin fee / account holder | $6,740 | $5,323+26.6% | $7,189-6.2% | $7,234-6.8% |