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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 | $94,978 | $93,598+1.5% | $135,974-30.1% | $75,173+26.3% |
| Participation rate | 44.8% | 75.2%-30.4pp | 81.9%-37.1pp | 67.2%-22.4pp |
| Annual return | 13.94% | 30.89%-16.9pp | 68.30%-54.4pp | 160.72%-146.8pp |
| Employer contribution / active EE | $1,335 | $3,538-62.3% | $4,859-72.5% | $2,671-50.0% |
| Participant deferral / active EE | $6,169 | $6,405-3.7% | $7,760-20.5% | $4,126+49.5% |
| Admin fee / account holder | $6,061 | $6,978-13.1% | $10,767-43.7% | $5,651+7.3% |