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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 | $84,985 | $57,590+47.6% | $86,233-1.4% | $82,448+3.1% |
| Participation rate | 34.6% | 57.9%-23.2pp | 69.0%-34.4pp | 68.1%-33.5pp |
| Annual return | 12.34% | 22.41%-10.1pp | 61.39%-49.0pp | 41.64%-29.3pp |
| Employer contribution / active EE | $1,085 | $1,655-34.5% | $2,504-56.7% | $2,551-57.5% |
| Participant deferral / active EE | $2,999 | $3,080-2.6% | $4,559-34.2% | $4,139-27.6% |
| Admin fee / account holder | $2,725 | $4,730-42.4% | $8,342-67.3% | $7,234-62.3% |