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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 | $77,046 | $73,787+4.4% | $98,716-22.0% | $82,448-6.6% |
| Participation rate | 56.8% | 61.4%-4.7pp | 69.3%-12.5pp | 68.1%-11.3pp |
| Annual return | 12.18% | 18.57%-6.4pp | 31.81%-19.6pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,544 | $1,511+2.2% | $2,279-32.2% | $2,551-39.5% |
| Participant deferral / active EE | $3,503 | $3,081+13.7% | $4,048-13.5% | $4,139-15.4% |
| Admin fee / account holder | $5,951 | $6,500-8.4% | $8,703-31.6% | $7,234-17.7% |