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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 | $120,775 | $72,486+66.6% | $87,103+38.7% | $72,976+65.5% |
| Participation rate | 58.3% | 72.8%-14.5pp | 76.9%-18.5pp | 69.5%-11.2pp |
| Annual return | 11.24% | 24.46%-13.2pp | 28.19%-17.0pp | 81.02%-69.8pp |
| Employer contribution / active EE | $2,201 | $1,894+16.2% | $2,521-12.7% | $2,440-9.8% |
| Participant deferral / active EE | $3,887 | $3,270+18.9% | $4,049-4.0% | $3,608+7.7% |
| Admin fee / account holder | $1,917 | $5,055-62.1% | $7,491-74.4% | $5,124-62.6% |