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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 | $76,407+17.2% | $150,298-40.4% | $82,448+8.6% |
| Participation rate | 63.6% | 66.4%-2.8pp | 77.8%-14.1pp | 68.1%-4.4pp |
| Annual return | 12.71% | 39.99%-27.3pp | 62.79%-50.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,593 | $2,614-39.1% | $4,154-61.7% | $2,551-37.6% |
| Participant deferral / active EE | $3,987 | $3,214+24.1% | $5,453-26.9% | $4,139-3.7% |
| Admin fee / account holder | $5,085 | $6,352-20.0% | $14,116-64.0% | $7,234-29.7% |