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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 | $107,003 | $81,476+31.3% | $102,383+4.5% | $80,925+32.2% |
| Participation rate | 59.4% | 66.8%-7.5pp | 74.5%-15.1pp | 67.7%-8.3pp |
| Annual return | 7.49% | 25.59%-18.1pp | 24.94%-17.4pp | 35.65%-28.2pp |
| Employer contribution / active EE | $4,688 | $3,105+51.0% | $3,870+21.1% | $2,756+70.1% |
| Participant deferral / active EE | $3,325 | $3,871-14.1% | $5,060-34.3% | $4,299-22.6% |
| Admin fee / account holder | $7,269 | $6,717+8.2% | $8,391-13.4% | $6,940+4.7% |