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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 | $60,511 | $95,453-36.6% | $112,040-46.0% | $82,448-26.6% |
| Participation rate | 68.2% | 72.8%-4.6pp | 76.5%-8.3pp | 68.1%+0.1pp |
| Annual return | 7.52% | 23.92%-16.4pp | 24.52%-17.0pp | 41.64%-34.1pp |
| Employer contribution / active EE | $2,288 | $2,318-1.3% | $2,954-22.5% | $2,551-10.3% |
| Participant deferral / active EE | $4,770 | $4,224+12.9% | $5,098-6.4% | $4,139+15.2% |
| Admin fee / account holder | $8,674 | $9,013-3.8% | $12,098-28.3% | $7,234+19.9% |