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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 | $85,340 | $72,269+18.1% | $101,271-15.7% | $79,852+6.9% |
| Participation rate | 61.9% | 68.5%-6.6pp | 75.8%-13.9pp | 69.6%-7.7pp |
| Annual return | 8.92% | 22.29%-13.4pp | 46.48%-37.6pp | 31.72%-22.8pp |
| Employer contribution / active EE | $4,461 | $2,692+65.7% | $3,660+21.9% | $2,471+80.5% |
| Participant deferral / active EE | $3,268 | $3,282-0.4% | $4,371-25.2% | $3,740-12.6% |
| Admin fee / account holder | $3,396 | $4,401-22.8% | $5,948-42.9% | $5,306-36.0% |