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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 | $99,960 | $95,453+4.7% | $112,040-10.8% | $82,448+21.2% |
| Participation rate | 54.3% | 72.8%-18.5pp | 76.5%-22.2pp | 68.1%-13.8pp |
| Annual return | 12.20% | 23.92%-11.7pp | 24.52%-12.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,957 | $2,318-15.6% | $2,954-33.8% | $2,551-23.3% |
| Participant deferral / active EE | $5,167 | $4,224+22.3% | $5,098+1.4% | $4,139+24.8% |
| Admin fee / account holder | $5,143 | $9,013-42.9% | $12,098-57.5% | $7,234-28.9% |