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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 | $89,265 | $57,140+56.2% | $85,240+4.7% | $80,959+10.3% |
| Participation rate | 28.3% | 56.4%-28.1pp | 67.5%-39.2pp | 67.7%-39.4pp |
| Annual return | 10.18% | 21.71%-11.5pp | 66.75%-56.6pp | 35.67%-25.5pp |
| Employer contribution / active EE | $1,239 | $1,802-31.2% | $2,735-54.7% | $2,757-55.1% |
| Participant deferral / active EE | $2,415 | $3,115-22.5% | $4,527-46.7% | $4,300-43.8% |
| Admin fee / account holder | $5,457 | $4,992+9.3% | $6,165-11.5% | $6,925-21.2% |