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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 | $105,088 | $106,749-1.6% | $145,433-27.7% | $82,448+27.5% |
| Participation rate | 69.0% | 75.6%-6.7pp | 82.1%-13.2pp | 68.1%+0.9pp |
| Annual return | 9.30% | 27.59%-18.3pp | 66.58%-57.3pp | 41.64%-32.3pp |
| Employer contribution / active EE | $2,536 | $3,444-26.4% | $4,554-44.3% | $2,551-0.6% |
| Participant deferral / active EE | $4,668 | $6,519-28.4% | $7,897-40.9% | $4,139+12.8% |
| Admin fee / account holder | $1,907 | $8,390-77.3% | $13,129-85.5% | $7,234-73.6% |