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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 | $99,875+5.2% | $146,866-28.4% | $86,983+20.8% |
| Participation rate | 69.0% | 75.8%-6.8pp | 82.5%-13.5pp | 69.5%-0.6pp |
| Annual return | 9.30% | 28.10%-18.8pp | 102.85%-93.6pp | 25.83%-16.5pp |
| Employer contribution / active EE | $2,536 | $3,224-21.3% | $4,425-42.7% | $2,584-1.9% |
| Participant deferral / active EE | $4,668 | $6,322-26.2% | $7,759-39.8% | $4,194+11.3% |
| Admin fee / account holder | $1,907 | $7,838-75.7% | $13,620-86.0% | $7,856-75.7% |