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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 | $90,281 | $76,834+17.5% | $108,359-16.7% | $87,485+3.2% |
| Participation rate | 52.4% | 61.7%-9.3pp | 70.1%-17.7pp | 68.9%-16.6pp |
| Annual return | 9.23% | 19.09%-9.9pp | 36.89%-27.7pp | 26.06%-16.8pp |
| Employer contribution / active EE | $1,665 | $1,556+6.9% | $2,399-30.6% | $2,596-35.9% |
| Participant deferral / active EE | $3,116 | $3,100+0.5% | $4,137-24.7% | $4,274-27.1% |
| Admin fee / account holder | $14,431 | $6,537+120.7% | $9,741+48.1% | $7,775+85.6% |