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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 | $165,579 | $74,535+122.1% | $100,712+64.4% | $82,637+100.4% |
| Participation rate | 62.1% | 61.2%+0.9pp | 69.3%-7.2pp | 68.1%-6.0pp |
| Annual return | 11.91% | 18.92%-7.0pp | 33.27%-21.4pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,279 | $1,503-14.9% | $2,313-44.7% | $2,552-49.9% |
| Participant deferral / active EE | $3,369 | $3,074+9.6% | $4,085-17.5% | $4,126-18.3% |
| Admin fee / account holder | $2,484 | $6,576-62.2% | $9,256-73.2% | $7,339-66.2% |