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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 | $82,130 | $86,949-5.5% | $102,460-19.8% | $80,959+1.4% |
| Participation rate | 59.4% | 72.4%-13.0pp | 76.5%-17.1pp | 67.7%-8.3pp |
| Annual return | 8.76% | 18.89%-10.1pp | 29.47%-20.7pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,924 | $2,370-18.8% | $3,025-36.4% | $2,757-30.2% |
| Participant deferral / active EE | $5,884 | $4,121+42.8% | $5,056+16.4% | $4,300+36.8% |
| Admin fee / account holder | $4,348 | $8,048-46.0% | $9,460-54.0% | $6,925-37.2% |