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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 | $93,741 | $106,524-12.0% | $152,301-38.5% | $87,485+7.2% |
| Participation rate | 60.3% | 75.8%-15.4pp | 82.4%-22.1pp | 68.9%-8.6pp |
| Annual return | 13.92% | 26.89%-13.0pp | 80.50%-66.6pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,579 | $3,371-53.2% | $4,624-65.9% | $2,596-39.2% |
| Participant deferral / active EE | $3,839 | $6,525-41.2% | $8,004-52.0% | $4,274-10.2% |
| Admin fee / account holder | $2,964 | $8,287-64.2% | $14,398-79.4% | $7,775-61.9% |