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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 | $81,588 | $56,277+45.0% | $80,976+0.8% | $62,891+29.7% |
| Participation rate | 52.8% | 69.0%-16.2pp | 75.8%-23.0pp | 69.3%-16.5pp |
| Annual return | 5.38% | 22.12%-16.7pp | 17.10%-11.7pp | 20.14%-14.8pp |
| Employer contribution / active EE | $2,401 | $1,943+23.6% | $3,714-35.3% | $2,281+5.3% |
| Participant deferral / active EE | $4,531 | $4,195+8.0% | $5,696-20.4% | $3,203+41.5% |
| Admin fee / account holder | $2,654 | $3,741-29.0% | $5,516-51.9% | $4,296-38.2% |