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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 | $84,916 | $76,564+10.9% | $105,582-19.6% | $94,015-9.7% |
| Participation rate | 64.0% | 65.2%-1.2pp | 71.8%-7.8pp | 70.8%-6.8pp |
| Annual return | 5.65% | 20.69%-15.0pp | 18.61%-13.0pp | 17.84%-12.2pp |
| Employer contribution / active EE | $1,589 | $1,995-20.4% | $2,984-46.7% | $2,790-43.0% |
| Participant deferral / active EE | $2,960 | $3,320-10.8% | $4,353-32.0% | $4,249-30.3% |
| Admin fee / account holder | $3,378 | $7,129-52.6% | $12,856-73.7% | $8,951-62.3% |