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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 | $88,126 | $106,749-17.4% | $145,433-39.4% | $82,448+6.9% |
| Participation rate | 61.0% | 75.6%-14.7pp | 82.1%-21.1pp | 68.1%-7.1pp |
| Annual return | 13.34% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $2,088 | $3,444-39.4% | $4,554-54.1% | $2,551-18.1% |
| Participant deferral / active EE | $3,606 | $6,519-44.7% | $7,897-54.3% | $4,139-12.9% |
| Admin fee / account holder | $13,640 | $8,390+62.6% | $13,129+3.9% | $7,234+88.5% |