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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 | $60,236 | $81,334-25.9% | $113,397-46.9% | $64,097-6.0% |
| Participation rate | 64.5% | 65.6%-1.2pp | 76.5%-12.0pp | 55.2%+9.3pp |
| Annual return | 11.95% | 32.50%-20.6pp | 23.20%-11.3pp | 34.64%-22.7pp |
| Employer contribution / active EE | $2,088 | $2,077+0.5% | $2,977-29.9% | $1,891+10.4% |
| Participant deferral / active EE | $3,502 | $3,795-7.7% | $5,076-31.0% | $3,080+13.7% |
| Admin fee / account holder | $2,684 | $4,208-36.2% | $11,957-77.6% | $3,454-22.3% |