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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 | $95,909 | $75,720+26.7% | $90,312+6.2% | $86,983+10.3% |
| Participation rate | 45.0% | 66.3%-21.3pp | 72.9%-27.9pp | 69.5%-24.5pp |
| Annual return | 10.33% | 18.55%-8.2pp | 18.90%-8.6pp | 25.83%-15.5pp |
| Employer contribution / active EE | $1,708 | $1,945-12.2% | $2,243-23.8% | $2,584-33.9% |
| Participant deferral / active EE | $3,420 | $3,001+14.0% | $3,749-8.8% | $4,194-18.5% |
| Admin fee / account holder | $1,982 | $6,201-68.0% | $8,248-76.0% | $7,856-74.8% |