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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 | $131,941 | $57,140+130.9% | $85,240+54.8% | $80,959+63.0% |
| Participation rate | 68.0% | 56.4%+11.6pp | 67.5%+0.5pp | 67.7%+0.3pp |
| Annual return | 9.34% | 21.71%-12.4pp | 66.75%-57.4pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,937 | $1,802+7.5% | $2,735-29.2% | $2,757-29.7% |
| Participant deferral / active EE | $5,744 | $3,115+84.4% | $4,527+26.9% | $4,300+33.6% |
| Admin fee / account holder | $4,492 | $4,992-10.0% | $6,165-27.1% | $6,925-35.1% |