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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 | $159,697 | $86,288+85.1% | $111,306+43.5% | $85,851+86.0% |
| Participation rate | 61.5% | 73.3%-11.8pp | 77.3%-15.8pp | 69.3%-7.8pp |
| Annual return | 9.64% | 19.99%-10.3pp | 54.67%-45.0pp | 318.63%-309.0pp |
| Employer contribution / active EE | $2,335 | $2,044+14.2% | $2,732-14.5% | $2,565-9.0% |
| Participant deferral / active EE | $5,350 | $3,641+46.9% | $4,488+19.2% | $3,952+35.4% |
| Admin fee / account holder | $6,021 | $8,189-26.5% | $7,966-24.4% | $6,261-3.8% |