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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 | $91,124 | $96,289-5.4% | $213,469-57.3% | $87,485+4.2% |
| Participation rate | 61.5% | 69.6%-8.0pp | 77.1%-15.6pp | 68.9%-7.4pp |
| Annual return | 10.32% | 17.78%-7.5pp | 20.58%-10.3pp | 26.06%-15.7pp |
| Employer contribution / active EE | $2,311 | $3,035-23.9% | $4,994-53.7% | $2,596-11.0% |
| Participant deferral / active EE | $4,820 | $4,750+1.5% | $6,841-29.5% | $4,274+12.8% |
| Admin fee / account holder | $993 | $9,670-89.7% | $27,141-96.3% | $7,775-87.2% |