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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 | $77,923 | $79,894-2.5% | $135,792-42.6% | $82,637-5.7% |
| Participation rate | 69.2% | 63.0%+6.2pp | 72.6%-3.4pp | 68.1%+1.2pp |
| Annual return | 11.04% | 17.20%-6.2pp | 25.96%-14.9pp | 53.51%-42.5pp |
| Employer contribution / active EE | $2,756 | $2,165+27.3% | $3,496-21.2% | $2,552+8.0% |
| Participant deferral / active EE | $3,622 | $3,194+13.4% | $4,759-23.9% | $4,126-12.2% |
| Admin fee / account holder | $12,625 | $6,434+96.2% | $12,266+2.9% | $7,339+72.0% |