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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 | $119,896 | $86,050+39.3% | $189,758-36.8% | $94,015+27.5% |
| Participation rate | 64.0% | 68.9%-4.9pp | 79.8%-15.8pp | 70.8%-6.8pp |
| Annual return | 9.02% | 17.77%-8.8pp | 52.62%-43.6pp | 17.84%-8.8pp |
| Employer contribution / active EE | $2,027 | $2,819-28.1% | $4,767-57.5% | $2,790-27.3% |
| Participant deferral / active EE | $5,258 | $3,349+57.0% | $5,856-10.2% | $4,249+23.7% |
| Admin fee / account holder | $25,653 | $6,627+287.1% | $20,388+25.8% | $8,951+186.6% |