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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 | $107,476 | $73,787+45.7% | $98,716+8.9% | $82,448+30.4% |
| Participation rate | 62.5% | 61.4%+1.1pp | 69.3%-6.8pp | 68.1%-5.6pp |
| Annual return | 11.74% | 18.57%-6.8pp | 31.81%-20.1pp | 41.64%-29.9pp |
| Employer contribution / active EE | $1,417 | $1,511-6.2% | $2,279-37.8% | $2,551-44.4% |
| Participant deferral / active EE | $3,018 | $3,081-2.1% | $4,048-25.4% | $4,139-27.1% |
| Admin fee / account holder | $956 | $6,500-85.3% | $8,703-89.0% | $7,234-86.8% |