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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 | $140,139 | $103,966+34.8% | $112,923+24.1% | $75,177+86.4% |
| Participation rate | 65.9% | 75.7%-9.8pp | 80.5%-14.7pp | 67.2%-1.4pp |
| Annual return | 13.17% | 24.54%-11.4pp | 34.13%-21.0pp | 160.75%-147.6pp |
| Employer contribution / active EE | $3,921 | $3,870+1.3% | $4,570-14.2% | $2,671+46.8% |
| Participant deferral / active EE | $3,099 | $5,456-43.2% | $6,520-52.5% | $4,126-24.9% |
| Admin fee / account holder | $7,396 | $7,663-3.5% | $7,046+5.0% | $5,651+30.9% |