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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 | $95,017 | $73,955+28.5% | $96,520-1.6% | $75,181+26.4% |
| Participation rate | 62.9% | 66.4%-3.6pp | 74.3%-11.5pp | 67.2%-4.3pp |
| Annual return | 12.72% | 26.72%-14.0pp | 35.72%-23.0pp | 160.69%-148.0pp |
| Employer contribution / active EE | $4,458 | $2,930+52.2% | $3,739+19.2% | $2,671+66.9% |
| Participant deferral / active EE | $2,460 | $3,659-32.8% | $4,879-49.6% | $4,126-40.4% |
| Admin fee / account holder | $7,999 | $5,217+53.3% | $6,733+18.8% | $5,650+41.6% |