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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 | $58,627+292.2% | $76,735+199.7% | $82,448+178.9% |
| Participation rate | 62.0% | 63.2%-1.2pp | 69.5%-7.5pp | 68.1%-6.1pp |
| Annual return | 12.02% | 39.10%-27.1pp | 29.77%-17.8pp | 41.64%-29.6pp |
| Employer contribution / active EE | $3,113 | $1,729+80.0% | $2,454+26.8% | $2,551+22.0% |
| Participant deferral / active EE | $5,550 | $3,134+77.1% | $4,088+35.8% | $4,139+34.1% |
| Admin fee / account holder | $5,039 | $5,323-5.3% | $7,189-29.9% | $7,234-30.3% |