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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 | $58,627+44.8% | $76,735+10.7% | $82,448+3.0% |
| Participation rate | 64.0% | 63.2%+0.8pp | 69.5%-5.5pp | 68.1%-4.1pp |
| Annual return | 5.65% | 39.10%-33.5pp | 29.77%-24.1pp | 41.64%-36.0pp |
| Employer contribution / active EE | $1,589 | $1,729-8.1% | $2,454-35.3% | $2,551-37.7% |
| Participant deferral / active EE | $2,960 | $3,134-5.5% | $4,088-27.6% | $4,139-28.5% |
| Admin fee / account holder | $3,378 | $5,323-36.5% | $7,189-53.0% | $7,234-53.3% |