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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 | $248,822 | $106,864+132.8% | $147,318+68.9% | $82,637+201.1% |
| Participation rate | 69.2% | 75.5%-6.3pp | 82.1%-12.8pp | 68.1%+1.2pp |
| Annual return | 13.17% | 27.49%-14.3pp | 70.43%-57.3pp | 53.51%-40.3pp |
| Employer contribution / active EE | $3,591 | $3,417+5.1% | $4,593-21.8% | $2,552+40.7% |
| Participant deferral / active EE | $7,495 | $6,496+15.4% | $7,906-5.2% | $4,126+81.6% |
| Admin fee / account holder | $10,302 | $8,415+22.4% | $13,708-24.8% | $7,339+40.4% |