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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 | $73,787+22.4% | $98,716-8.5% | $82,448+9.5% |
| Participation rate | 52.4% | 61.4%-9.0pp | 69.3%-16.9pp | 68.1%-15.7pp |
| Annual return | 9.23% | 18.57%-9.3pp | 31.81%-22.6pp | 41.64%-32.4pp |
| Employer contribution / active EE | $1,665 | $1,511+10.1% | $2,279-26.9% | $2,551-34.7% |
| Participant deferral / active EE | $3,116 | $3,081+1.1% | $4,048-23.0% | $4,139-24.7% |
| Admin fee / account holder | $14,431 | $6,500+122.0% | $8,703+65.8% | $7,234+99.5% |