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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 | $71,556 | $86,919-17.7% | $102,457-30.2% | $80,911-11.6% |
| Participation rate | 68.3% | 72.4%-4.0pp | 76.5%-8.2pp | 67.6%+0.7pp |
| Annual return | 8.25% | 18.90%-10.6pp | 29.41%-21.2pp | 35.63%-27.4pp |
| Employer contribution / active EE | $2,032 | $2,368-14.2% | $3,022-32.8% | $2,756-26.3% |
| Participant deferral / active EE | $3,869 | $4,119-6.1% | $5,054-23.5% | $4,297-10.0% |
| Admin fee / account holder | $4,969 | $8,049-38.3% | $9,451-47.4% | $6,935-28.3% |