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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 | $106,222 | $77,472+37.1% | $100,415+5.8% | $80,959+31.2% |
| Participation rate | 60.0% | 76.9%-16.9pp | 81.5%-21.5pp | 67.7%-7.7pp |
| Annual return | 12.29% | 37.26%-25.0pp | 49.47%-37.2pp | 35.67%-23.4pp |
| Employer contribution / active EE | $2,373 | $2,800-15.3% | $3,943-39.8% | $2,757-13.9% |
| Participant deferral / active EE | $5,181 | $6,818-24.0% | $8,091-36.0% | $4,300+20.5% |
| Admin fee / account holder | $2,345 | $5,885-60.1% | $7,906-70.3% | $6,925-66.1% |