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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 | $116,398 | $101,752+14.4% | $164,928-29.4% | $80,911+43.9% |
| Participation rate | 69.7% | 71.8%-2.1pp | 78.6%-8.9pp | 67.6%+2.0pp |
| Annual return | 8.67% | 16.73%-8.1pp | 70.08%-61.4pp | 35.63%-27.0pp |
| Employer contribution / active EE | $2,377 | $2,953-19.5% | $4,343-45.3% | $2,756-13.8% |
| Participant deferral / active EE | $4,590 | $4,477+2.5% | $6,034-23.9% | $4,297+6.8% |
| Admin fee / account holder | $15,525 | $8,218+88.9% | $12,684+22.4% | $6,935+123.9% |