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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 | $95,965 | $76,834+24.9% | $108,359-11.4% | $87,485+9.7% |
| Participation rate | 44.1% | 61.7%-17.6pp | 70.1%-26.0pp | 68.9%-24.8pp |
| Annual return | 11.60% | 19.09%-7.5pp | 36.89%-25.3pp | 26.06%-14.5pp |
| Employer contribution / active EE | $1,272 | $1,556-18.3% | $2,399-47.0% | $2,596-51.0% |
| Participant deferral / active EE | $4,557 | $3,100+47.0% | $4,137+10.2% | $4,274+6.6% |
| Admin fee / account holder | $883 | $6,537-86.5% | $9,741-90.9% | $7,775-88.6% |