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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 | $118,898 | $67,411+76.4% | $91,004+30.7% | $70,126+69.5% |
| Participation rate | 61.0% | 71.4%-10.4pp | 75.6%-14.6pp | 69.5%-8.6pp |
| Annual return | 11.71% | -40.16%+51.9pp | 4.60%+7.1pp | 73.15%-61.4pp |
| Employer contribution / active EE | $2,477 | $1,786+38.7% | $2,456+0.9% | $2,343+5.8% |
| Participant deferral / active EE | $3,532 | $2,823+25.1% | $3,548-0.4% | $3,332+6.0% |
| Admin fee / account holder | $4,739 | $4,236+11.9% | $5,417-12.5% | $4,645+2.0% |