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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 | $115,239 | $101,798+13.2% | $165,071-30.2% | $80,935+42.4% |
| Participation rate | 63.0% | 71.8%-8.9pp | 78.6%-15.7pp | 67.7%-4.7pp |
| Annual return | 8.17% | 16.73%-8.6pp | 70.17%-62.0pp | 35.66%-27.5pp |
| Employer contribution / active EE | $2,883 | $2,954-2.4% | $4,347-33.7% | $2,757+4.6% |
| Participant deferral / active EE | $4,685 | $4,476+4.7% | $6,035-22.4% | $4,299+9.0% |
| Admin fee / account holder | $11,770 | $8,221+43.2% | $12,695-7.3% | $6,924+70.0% |