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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 | $229,952 | $69,444+231.1% | $92,985+147.3% | $87,485+162.8% |
| Participation rate | 62.0% | 63.3%-1.3pp | 69.5%-7.5pp | 68.9%-6.9pp |
| Annual return | 12.02% | 23.85%-11.8pp | 27.99%-16.0pp | 26.06%-14.0pp |
| Employer contribution / active EE | $3,113 | $1,917+62.4% | $2,662+16.9% | $2,596+19.9% |
| Participant deferral / active EE | $5,550 | $3,364+65.0% | $4,377+26.8% | $4,274+29.9% |
| Admin fee / account holder | $5,039 | $6,137-17.9% | $9,463-46.8% | $7,775-35.2% |