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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 | $86,414 | $86,949-0.6% | $102,460-15.7% | $80,959+6.7% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 10.38% | 18.89%-8.5pp | 29.47%-19.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,411 | $2,370-40.5% | $3,025-53.4% | $2,757-48.8% |
| Participant deferral / active EE | $3,777 | $4,121-8.4% | $5,056-25.3% | $4,300-12.2% |
| Admin fee / account holder | $9,108 | $8,048+13.2% | $9,460-3.7% | $6,925+31.5% |