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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 | $109,478 | $65,364+67.5% | $92,909+17.8% | $72,975+50.0% |
| Participation rate | 39.2% | 68.3%-29.1pp | 76.0%-36.8pp | 69.5%-30.3pp |
| Annual return | 15.18% | 42.11%-26.9pp | 109.44%-94.3pp | 81.01%-65.8pp |
| Employer contribution / active EE | $4,422 | $2,594+70.5% | $3,653+21.0% | $2,440+81.2% |
| Participant deferral / active EE | $1,629 | $3,128-47.9% | $4,238-61.6% | $3,608-54.8% |
| Admin fee / account holder | $11,480 | $4,251+170.0% | $5,795+98.1% | $5,124+124.0% |