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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 | $120,589 | $58,057+107.7% | $97,032+24.3% | $86,983+38.6% |
| Participation rate | 67.9% | 60.4%+7.5pp | 71.6%-3.7pp | 69.5%-1.7pp |
| Annual return | 8.89% | 22.26%-13.4pp | 35.38%-26.5pp | 25.83%-16.9pp |
| Employer contribution / active EE | $1,299 | $1,663-21.9% | $2,629-50.6% | $2,584-49.7% |
| Participant deferral / active EE | $1,668 | $3,244-48.6% | $4,672-64.3% | $4,194-60.2% |
| Admin fee / account holder | $750 | $4,839-84.5% | $9,418-92.0% | $7,856-90.5% |