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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 | $126,535 | $114,712+10.3% | $173,730-27.2% | $87,485+44.6% |
| Participation rate | 67.7% | 73.0%-5.3pp | 79.6%-11.8pp | 68.9%-1.2pp |
| Annual return | 11.93% | 20.18%-8.2pp | 19.96%-8.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $2,147 | $2,904-26.1% | $4,577-53.1% | $2,596-17.3% |
| Participant deferral / active EE | $5,715 | $4,642+23.1% | $6,326-9.7% | $4,274+33.7% |
| Admin fee / account holder | $15,719 | $10,210+54.0% | $17,523-10.3% | $7,775+102.2% |