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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 | $176,276 | $145,431+21.2% | $211,142-16.5% | $87,485+101.5% |
| Participation rate | 69.0% | 84.7%-15.8pp | 87.3%-18.3pp | 68.9%0pp |
| Annual return | 12.10% | 27.21%-15.1pp | 46.84%-34.7pp | 26.06%-14.0pp |
| Employer contribution / active EE | $3,005 | $4,662-35.5% | $6,442-53.3% | $2,596+15.8% |
| Participant deferral / active EE | $6,078 | $6,859-11.4% | $9,284-34.5% | $4,274+42.2% |
| Admin fee / account holder | $9,147 | $17,052-46.4% | $19,076-52.0% | $7,775+17.7% |