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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 | $95,880 | $77,472+23.8% | $100,392-4.5% | $80,935+18.5% |
| Participation rate | 64.5% | 76.9%-12.4pp | 81.5%-17.0pp | 67.7%-3.1pp |
| Annual return | 11.73% | 37.26%-25.5pp | 49.45%-37.7pp | 35.66%-23.9pp |
| Employer contribution / active EE | $2,450 | $2,800-12.5% | $3,941-37.8% | $2,757-11.1% |
| Participant deferral / active EE | $5,074 | $6,818-25.6% | $8,090-37.3% | $4,299+18.0% |
| Admin fee / account holder | $882 | $5,885-85.0% | $7,904-88.8% | $6,924-87.3% |