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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 | $108,245 | $80,985+33.7% | $96,576+12.1% | $75,181+44.0% |
| Participation rate | 69.9% | 71.8%-1.9pp | 76.0%-6.1pp | 67.2%+2.7pp |
| Annual return | 12.17% | 27.05%-14.9pp | 25.87%-13.7pp | 160.69%-148.5pp |
| Employer contribution / active EE | $1,584 | $2,282-30.6% | $2,965-46.6% | $2,671-40.7% |
| Participant deferral / active EE | $4,855 | $3,929+23.6% | $4,851+0.1% | $4,126+17.7% |
| Admin fee / account holder | $6,138 | $6,719-8.6% | $8,253-25.6% | $5,650+8.6% |