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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 | $135,632 | $73,787+83.8% | $98,716+37.4% | $82,448+64.5% |
| Participation rate | 62.2% | 61.4%+0.8pp | 69.3%-7.1pp | 68.1%-5.9pp |
| Annual return | 11.58% | 18.57%-7.0pp | 31.81%-20.2pp | 41.64%-30.1pp |
| Employer contribution / active EE | $2,368 | $1,511+56.7% | $2,279+3.9% | $2,551-7.2% |
| Participant deferral / active EE | $3,918 | $3,081+27.1% | $4,048-3.2% | $4,139-5.3% |
| Admin fee / account holder | $1,873 | $6,500-71.2% | $8,703-78.5% | $7,234-74.1% |