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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 | $53,152 | $80,983-34.4% | $96,544-44.9% | $75,177-29.3% |
| Participation rate | 67.3% | 71.8%-4.5pp | 76.0%-8.7pp | 67.2%+0.1pp |
| Annual return | 12.15% | 27.05%-14.9pp | 25.88%-13.7pp | 160.75%-148.6pp |
| Employer contribution / active EE | $1,726 | $2,282-24.4% | $2,966-41.8% | $2,671-35.4% |
| Participant deferral / active EE | $3,803 | $3,929-3.2% | $4,851-21.6% | $4,126-7.8% |
| Admin fee / account holder | $945 | $6,717-85.9% | $8,254-88.6% | $5,651-83.3% |