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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 | $117,706 | $73,955+59.2% | $96,520+21.9% | $75,181+56.6% |
| Participation rate | 61.5% | 66.4%-4.9pp | 74.3%-12.8pp | 67.2%-5.7pp |
| Annual return | 9.75% | 26.72%-17.0pp | 35.72%-26.0pp | 160.69%-150.9pp |
| Employer contribution / active EE | $2,697 | $2,930-8.0% | $3,739-27.9% | $2,671+1.0% |
| Participant deferral / active EE | $6,152 | $3,659+68.1% | $4,879+26.1% | $4,126+49.1% |
| Admin fee / account holder | $10,353 | $5,217+98.4% | $6,733+53.8% | $5,650+83.2% |