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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 | $89,519 | $75,541+18.5% | $152,093-41.1% | $82,637+8.3% |
| Participation rate | 63.6% | 66.5%-2.9pp | 77.8%-14.1pp | 68.1%-4.4pp |
| Annual return | 12.71% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.8pp |
| Employer contribution / active EE | $1,593 | $2,622-39.3% | $4,175-61.8% | $2,552-37.6% |
| Participant deferral / active EE | $3,987 | $3,206+24.4% | $5,451-26.9% | $4,126-3.4% |
| Admin fee / account holder | $5,085 | $6,405-20.6% | $14,497-64.9% | $7,339-30.7% |