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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 | $87,687 | $51,222+71.2% | $70,544+24.3% | $75,173+16.6% |
| Participation rate | 28.0% | 61.0%-33.0pp | 68.4%-40.4pp | 67.2%-39.2pp |
| Annual return | 13.11% | 30.06%-16.9pp | 32.79%-19.7pp | 160.72%-147.6pp |
| Employer contribution / active EE | $1,420 | $1,827-22.3% | $2,976-52.3% | $2,671-46.8% |
| Participant deferral / active EE | $2,330 | $2,850-18.2% | $4,568-49.0% | $4,126-43.5% |
| Admin fee / account holder | $14,562 | $4,096+255.5% | $6,427+126.6% | $5,651+157.7% |