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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 | $76,834+39.9% | $108,359-0.8% | $87,485+22.9% |
| Participation rate | 62.5% | 61.7%+0.8pp | 70.1%-7.6pp | 68.9%-6.4pp |
| Annual return | 11.74% | 19.09%-7.4pp | 36.89%-25.2pp | 26.06%-14.3pp |
| Employer contribution / active EE | $1,417 | $1,556-8.9% | $2,399-40.9% | $2,596-45.4% |
| Participant deferral / active EE | $3,018 | $3,100-2.7% | $4,137-27.1% | $4,274-29.4% |
| Admin fee / account holder | $956 | $6,537-85.4% | $9,741-90.2% | $7,775-87.7% |