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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 | $69,273+38.5% | $90,796+5.6% | $82,637+16.1% |
| Participation rate | 45.0% | 64.0%-19.0pp | 69.5%-24.5pp | 68.1%-23.1pp |
| Annual return | 10.33% | 18.37%-8.0pp | 19.29%-9.0pp | 53.51%-43.2pp |
| Employer contribution / active EE | $1,708 | $1,865-8.4% | $2,294-25.5% | $2,552-33.1% |
| Participant deferral / active EE | $3,420 | $3,047+12.2% | $3,822-10.5% | $4,126-17.1% |
| Admin fee / account holder | $1,982 | $5,511-64.0% | $7,024-71.8% | $7,339-73.0% |