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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 | $80,646 | $69,444+16.1% | $92,985-13.3% | $87,485-7.8% |
| Participation rate | 63.3% | 63.3%0pp | 69.5%-6.2pp | 68.9%-5.7pp |
| Annual return | 11.67% | 23.85%-12.2pp | 27.99%-16.3pp | 26.06%-14.4pp |
| Employer contribution / active EE | $2,020 | $1,917+5.4% | $2,662-24.1% | $2,596-22.2% |
| Participant deferral / active EE | $3,651 | $3,364+8.5% | $4,377-16.6% | $4,274-14.6% |
| Admin fee / account holder | $8,405 | $6,137+36.9% | $9,463-11.2% | $7,775+8.1% |