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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 | $78,818 | $71,230+10.7% | $93,727-15.9% | $80,959-2.6% |
| Participation rate | 28.6% | 60.4%-31.8pp | 68.7%-40.1pp | 67.7%-39.1pp |
| Annual return | 9.36% | 11.26%-1.9pp | 133.83%-124.5pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,618 | $1,565+3.4% | $2,421-33.2% | $2,757-41.3% |
| Participant deferral / active EE | $3,270 | $4,037-19.0% | $4,417-26.0% | $4,300-24.0% |
| Admin fee / account holder | $7,983 | $6,961+14.7% | $8,292-3.7% | $6,925+15.3% |