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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 | $82,808 | $61,605+34.4% | $112,273-26.2% | $75,173+10.2% |
| Participation rate | 34.8% | 61.7%-26.9pp | 72.4%-37.7pp | 67.2%-32.4pp |
| Annual return | 9.45% | 28.47%-19.0pp | 30.23%-20.8pp | 160.72%-151.3pp |
| Employer contribution / active EE | $2,096 | $2,015+4.0% | $3,431-38.9% | $2,671-21.5% |
| Participant deferral / active EE | $5,809 | $3,108+86.9% | $4,800+21.0% | $4,126+40.8% |
| Admin fee / account holder | $4,723 | $4,862-2.9% | $7,752-39.1% | $5,651-16.4% |