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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 | $85,124 | $63,845+33.3% | $81,370+4.6% | $80,959+5.1% |
| Participation rate | 56.2% | 63.9%-7.7pp | 69.5%-13.4pp | 67.7%-11.5pp |
| Annual return | 9.68% | 16.37%-6.7pp | 24.85%-15.2pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,614 | $1,980-18.5% | $2,464-34.5% | $2,757-41.5% |
| Participant deferral / active EE | $3,217 | $3,093+4.0% | $3,885-17.2% | $4,300-25.2% |
| Admin fee / account holder | $2,503 | $5,688-56.0% | $5,749-56.5% | $6,925-63.9% |