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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 | $110,316 | $72,273+52.6% | $101,275+8.9% | $79,856+38.1% |
| Participation rate | 40.0% | 68.5%-28.5pp | 75.8%-35.8pp | 69.6%-29.6pp |
| Annual return | 10.08% | 22.30%-12.2pp | 46.48%-36.4pp | 31.71%-21.6pp |
| Employer contribution / active EE | $2,395 | $2,691-11.0% | $3,660-34.6% | $2,471-3.1% |
| Participant deferral / active EE | $3,869 | $3,282+17.9% | $4,371-11.5% | $3,741+3.4% |
| Admin fee / account holder | $3,456 | $4,401-21.5% | $5,948-41.9% | $5,306-34.9% |