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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 | $121,563 | $72,273+68.2% | $101,275+20.0% | $79,856+52.2% |
| Participation rate | 58.3% | 68.5%-10.1pp | 75.8%-17.5pp | 69.6%-11.3pp |
| Annual return | 9.27% | 22.30%-13.0pp | 46.48%-37.2pp | 31.71%-22.4pp |
| Employer contribution / active EE | $2,013 | $2,691-25.2% | $3,660-45.0% | $2,471-18.5% |
| Participant deferral / active EE | $2,848 | $3,282-13.2% | $4,371-34.8% | $3,741-23.9% |
| Admin fee / account holder | $772 | $4,401-82.5% | $5,948-87.0% | $5,306-85.5% |