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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 | $94,615 | $72,273+30.9% | $101,275-6.6% | $79,856+18.5% |
| Participation rate | 69.6% | 68.5%+1.2pp | 75.8%-6.2pp | 69.6%0pp |
| Annual return | 4.41% | 22.30%-17.9pp | 46.48%-42.1pp | 31.71%-27.3pp |
| Employer contribution / active EE | $1,389 | $2,691-48.4% | $3,660-62.0% | $2,471-43.8% |
| Participant deferral / active EE | $3,291 | $3,282+0.3% | $4,371-24.7% | $3,741-12.0% |
| Admin fee / account holder | $1,099 | $4,401-75.0% | $5,948-81.5% | $5,306-79.3% |