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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 | $102,601 | $54,541+88.1% | $78,778+30.2% | $70,124+46.3% |
| Participation rate | 61.5% | 60.8%+0.7pp | 69.2%-7.7pp | 69.5%-8.0pp |
| Annual return | 12.09% | 21.07%-9.0pp | 35.62%-23.5pp | 73.14%-61.1pp |
| Employer contribution / active EE | $1,058 | $1,089-2.8% | $1,986-46.7% | $2,342-54.8% |
| Participant deferral / active EE | $1,794 | $2,210-18.8% | $2,958-39.4% | $3,332-46.2% |
| Admin fee / account holder | $365 | $3,709-90.2% | $5,134-92.9% | $4,645-92.1% |