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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 | $125,758 | $98,240+28.0% | $82,312+52.8% | $147,586-14.8% |
| Participation rate | 60.0% | 79.7%-19.7pp | 76.9%-16.9pp | 82.8%-22.8pp |
| Annual return | 4.59% | 30.85%-26.3pp | 25.88%-21.3pp | 578.59%-574.0pp |
| Employer contribution / active EE | $3,024 | $3,192-5.3% | $2,428+24.5% | $4,876-38.0% |
| Participant deferral / active EE | $5,110 | $4,383+16.6% | $3,706+37.9% | $5,439-6.0% |
| Admin fee / account holder | $1,034 | $8,563-87.9% | $5,608-81.6% | $10,886-90.5% |