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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 | $103,537 | $138,393-25.2% | $184,256-43.8% | $80,959+27.9% |
| Participation rate | 65.0% | 83.9%-18.9pp | 86.8%-21.8pp | 67.7%-2.7pp |
| Annual return | 11.05% | 20.01%-9.0pp | 28.85%-17.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $4,715 | $4,847-2.7% | $6,427-26.6% | $2,757+71.0% |
| Participant deferral / active EE | $4,556 | $7,076-35.6% | $9,133-50.1% | $4,300+5.9% |
| Admin fee / account holder | $9,694 | $10,489-7.6% | $13,899-30.3% | $6,925+40.0% |