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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 | $207,597 | $95,453+117.5% | $112,040+85.3% | $82,448+151.8% |
| Participation rate | 64.0% | 72.8%-8.8pp | 76.5%-12.5pp | 68.1%-4.1pp |
| Annual return | 11.60% | 23.92%-12.3pp | 24.52%-12.9pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,846 | $2,318-20.3% | $2,954-37.5% | $2,551-27.6% |
| Participant deferral / active EE | $4,238 | $4,224+0.3% | $5,098-16.9% | $4,139+2.4% |
| Admin fee / account holder | $12,750 | $9,013+41.5% | $12,098+5.4% | $7,234+76.2% |