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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 | $79,384 | $46,599+70.4% | $64,101+23.8% | $75,173+5.6% |
| Participation rate | 60.9% | 65.9%-5.0pp | 72.3%-11.4pp | 67.2%-6.3pp |
| Annual return | 9.90% | 26.06%-16.2pp | 33.72%-23.8pp | 160.72%-150.8pp |
| Employer contribution / active EE | $1,424 | $1,975-27.9% | $2,749-48.2% | $2,671-46.7% |
| Participant deferral / active EE | $2,676 | $2,837-5.7% | $3,881-31.0% | $4,126-35.1% |
| Admin fee / account holder | $1,282 | $2,956-56.6% | $3,070-58.2% | $5,651-77.3% |