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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 | $89,326 | $75,058+19.0% | $152,301-41.3% | $64,340+38.8% |
| Participation rate | 52.5% | 60.9%-8.4pp | 82.4%-29.9pp | 55.2%-2.7pp |
| Annual return | 13.32% | 29.93%-16.6pp | 80.50%-67.2pp | 24.14%-10.8pp |
| Employer contribution / active EE | $1,556 | $2,605-40.3% | $4,624-66.4% | $1,862-16.4% |
| Participant deferral / active EE | $3,094 | $5,041-38.6% | $8,004-61.3% | $2,980+3.8% |
| Admin fee / account holder | $8,920 | $4,050+120.2% | $14,398-38.0% | $3,703+140.9% |