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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 | $83,145 | $80,985+2.7% | $96,576-13.9% | $75,181+10.6% |
| Participation rate | 65.4% | 71.8%-6.4pp | 76.0%-10.6pp | 67.2%-1.8pp |
| Annual return | 10.55% | 27.05%-16.5pp | 25.87%-15.3pp | 160.69%-150.1pp |
| Employer contribution / active EE | $1,496 | $2,282-34.5% | $2,965-49.6% | $2,671-44.0% |
| Participant deferral / active EE | $5,150 | $3,929+31.1% | $4,851+6.2% | $4,126+24.8% |
| Admin fee / account holder | $2,619 | $6,719-61.0% | $8,253-68.3% | $5,650-53.6% |