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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 | $106,466 | $72,486+46.9% | $87,103+22.2% | $72,976+45.9% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.9%-7.6pp | 69.5%-0.3pp |
| Annual return | 5.92% | 24.46%-18.5pp | 28.19%-22.3pp | 81.02%-75.1pp |
| Employer contribution / active EE | $1,206 | $1,894-36.3% | $2,521-52.2% | $2,440-50.6% |
| Participant deferral / active EE | $3,264 | $3,270-0.2% | $4,049-19.4% | $3,608-9.5% |
| Admin fee / account holder | $4,384 | $5,055-13.3% | $7,491-41.5% | $5,124-14.4% |