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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 | $185,764 | $59,440+212.5% | $78,004+138.1% | $82,637+124.8% |
| Participation rate | 69.2% | 62.8%+6.4pp | 69.4%-0.2pp | 68.1%+1.2pp |
| Annual return | 10.85% | 40.24%-29.4pp | 31.07%-20.2pp | 53.51%-42.7pp |
| Employer contribution / active EE | $3,542 | $1,750+102.3% | $2,469+43.5% | $2,552+38.8% |
| Participant deferral / active EE | $4,529 | $3,138+44.3% | $4,092+10.7% | $4,126+9.8% |
| Admin fee / account holder | $10,936 | $5,504+98.7% | $7,578+44.3% | $7,339+49.0% |