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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 | $118,014 | $71,230+65.7% | $93,727+25.9% | $80,959+45.8% |
| Participation rate | 56.5% | 60.4%-3.9pp | 68.7%-12.2pp | 67.7%-11.1pp |
| Annual return | 8.48% | 11.26%-2.8pp | 133.83%-125.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $1,430 | $1,565-8.7% | $2,421-41.0% | $2,757-48.1% |
| Participant deferral / active EE | $4,725 | $4,037+17.0% | $4,417+7.0% | $4,300+9.9% |
| Admin fee / account holder | $33,027 | $6,961+374.5% | $8,292+298.3% | $6,925+376.9% |