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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 | $87,139 | $67,894+28.3% | $89,340-2.5% | $82,448+5.7% |
| Participation rate | 61.5% | 64.0%-2.5pp | 69.6%-8.0pp | 68.1%-6.5pp |
| Annual return | 10.10% | 19.21%-9.1pp | 20.57%-10.5pp | 41.64%-31.5pp |
| Employer contribution / active EE | $1,257 | $1,828-31.2% | $2,231-43.7% | $2,551-50.7% |
| Participant deferral / active EE | $1,073 | $3,072-65.1% | $3,823-71.9% | $4,139-74.1% |
| Admin fee / account holder | $2,947 | $5,723-48.5% | $6,704-56.0% | $7,234-59.3% |