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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 | $84,012 | $54,541+54.0% | $78,778+6.6% | $70,126+19.8% |
| Participation rate | 56.8% | 60.8%-4.0pp | 69.2%-12.4pp | 69.5%-12.8pp |
| Annual return | 8.75% | 21.07%-12.3pp | 35.62%-26.9pp | 73.15%-64.4pp |
| Employer contribution / active EE | $985 | $1,089-9.5% | $1,986-50.4% | $2,343-58.0% |
| Participant deferral / active EE | $3,282 | $2,210+48.5% | $2,958+10.9% | $3,332-1.5% |
| Admin fee / account holder | $4,347 | $3,709+17.2% | $5,134-15.3% | $4,645-6.4% |