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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 | $117,270 | $72,269+62.3% | $101,271+15.8% | $79,852+46.9% |
| Participation rate | 64.0% | 68.5%-4.5pp | 75.8%-11.8pp | 69.6%-5.6pp |
| Annual return | 4.33% | 22.29%-18.0pp | 46.48%-42.2pp | 31.72%-27.4pp |
| Employer contribution / active EE | $3,365 | $2,692+25.0% | $3,660-8.1% | $2,471+36.2% |
| Participant deferral / active EE | $4,424 | $3,282+34.8% | $4,371+1.2% | $3,740+18.3% |
| Admin fee / account holder | $4,466 | $4,401+1.5% | $5,948-24.9% | $5,306-15.8% |