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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 | $92,131 | $79,894+15.3% | $135,792-32.2% | $82,637+11.5% |
| Participation rate | 67.2% | 63.0%+4.2pp | 72.6%-5.4pp | 68.1%-0.8pp |
| Annual return | 11.49% | 17.20%-5.7pp | 25.96%-14.5pp | 53.51%-42.0pp |
| Employer contribution / active EE | $1,779 | $2,165-17.8% | $3,496-49.1% | $2,552-30.3% |
| Participant deferral / active EE | $3,905 | $3,194+22.3% | $4,759-17.9% | $4,126-5.4% |
| Admin fee / account holder | $1,695 | $6,434-73.7% | $12,266-86.2% | $7,339-76.9% |