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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 | $86,814 | $58,493+48.4% | $84,021+3.3% | $72,975+19.0% |
| Participation rate | 62.2% | 61.2%+1.0pp | 69.0%-6.8pp | 69.5%-7.3pp |
| Annual return | 8.53% | 28.93%-20.4pp | 71.32%-62.8pp | 81.01%-72.5pp |
| Employer contribution / active EE | $1,455 | $1,163+25.1% | $1,984-26.7% | $2,440-40.4% |
| Participant deferral / active EE | $2,478 | $2,394+3.5% | $3,239-23.5% | $3,608-31.3% |
| Admin fee / account holder | $1,333 | $4,569-70.8% | $6,102-78.2% | $5,124-74.0% |