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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 | $117,579 | $81,487+44.3% | $102,412+14.8% | $80,935+45.3% |
| Participation rate | 66.0% | 66.8%-0.9pp | 74.5%-8.5pp | 67.7%-1.7pp |
| Annual return | 10.32% | 25.60%-15.3pp | 24.94%-14.6pp | 35.66%-25.3pp |
| Employer contribution / active EE | $2,211 | $3,103-28.8% | $3,870-42.9% | $2,757-19.8% |
| Participant deferral / active EE | $4,712 | $3,871+21.7% | $5,060-6.9% | $4,299+9.6% |
| Admin fee / account holder | $16,772 | $6,717+149.7% | $8,388+100.0% | $6,924+142.2% |