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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 | $123,957 | $57,590+115.2% | $86,233+43.7% | $82,448+50.3% |
| Participation rate | 64.7% | 57.9%+6.8pp | 69.0%-4.3pp | 68.1%-3.4pp |
| Annual return | 12.83% | 22.41%-9.6pp | 61.39%-48.6pp | 41.64%-28.8pp |
| Employer contribution / active EE | $861 | $1,655-48.0% | $2,504-65.6% | $2,551-66.2% |
| Participant deferral / active EE | $2,959 | $3,080-3.9% | $4,559-35.1% | $4,139-28.5% |
| Admin fee / account holder | $7,035 | $4,730+48.7% | $8,342-15.7% | $7,234-2.8% |