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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 | $132,867 | $86,938+52.8% | $102,423+29.7% | $80,925+64.2% |
| Participation rate | 65.6% | 72.4%-6.8pp | 76.5%-10.9pp | 67.7%-2.0pp |
| Annual return | 8.54% | 18.89%-10.4pp | 29.42%-20.9pp | 35.65%-27.1pp |
| Employer contribution / active EE | $1,564 | $2,369-34.0% | $3,023-48.3% | $2,756-43.3% |
| Participant deferral / active EE | $3,073 | $4,120-25.4% | $5,054-39.2% | $4,299-28.5% |
| Admin fee / account holder | $2,961 | $8,053-63.2% | $9,455-68.7% | $6,940-57.3% |