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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 | $93,879 | $106,864-12.2% | $147,318-36.3% | $82,637+13.6% |
| Participation rate | 61.5% | 75.5%-14.0pp | 82.1%-20.5pp | 68.1%-6.5pp |
| Annual return | 13.76% | 27.49%-13.7pp | 70.43%-56.7pp | 53.51%-39.7pp |
| Employer contribution / active EE | $3,534 | $3,417+3.4% | $4,593-23.0% | $2,552+38.5% |
| Participant deferral / active EE | $8,694 | $6,496+33.8% | $7,906+10.0% | $4,126+110.7% |
| Admin fee / account holder | $897 | $8,415-89.3% | $13,708-93.5% | $7,339-87.8% |