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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 | $89,783 | $57,140+57.1% | $85,240+5.3% | $80,959+10.9% |
| Participation rate | 60.5% | 56.4%+4.1pp | 67.5%-7.0pp | 67.7%-7.1pp |
| Annual return | 9.25% | 21.71%-12.5pp | 66.75%-57.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $2,578 | $1,802+43.1% | $2,735-5.8% | $2,757-6.5% |
| Participant deferral / active EE | $4,640 | $3,115+49.0% | $4,527+2.5% | $4,300+7.9% |
| Admin fee / account holder | $13,254 | $4,992+165.5% | $6,165+115.0% | $6,925+91.4% |