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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 | $134,792 | $81,446+65.5% | $103,374+30.4% | $80,874+66.7% |
| Participation rate | 59.6% | 66.9%-7.2pp | 74.5%-14.9pp | 67.6%-8.0pp |
| Annual return | 9.43% | 25.57%-16.1pp | 24.89%-15.5pp | 35.62%-26.2pp |
| Employer contribution / active EE | $2,181 | $3,107-29.8% | $3,869-43.6% | $2,756-20.8% |
| Participant deferral / active EE | $7,870 | $3,870+103.4% | $5,058+55.6% | $4,297+83.1% |
| Admin fee / account holder | $2,529 | $6,715-62.3% | $8,394-69.9% | $6,935-63.5% |