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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 | $120,786 | $89,259+35.3% | $107,187+12.7% | $82,637+46.2% |
| Participation rate | 67.5% | 67.9%-0.4pp | 75.0%-7.5pp | 68.1%-0.6pp |
| Annual return | 11.76% | 21.02%-9.3pp | 204.55%-192.8pp | 53.51%-41.7pp |
| Employer contribution / active EE | $2,821 | $3,080-8.4% | $3,782-25.4% | $2,552+10.5% |
| Participant deferral / active EE | $3,602 | $4,037-10.8% | $5,096-29.3% | $4,126-12.7% |
| Admin fee / account holder | $9,712 | $7,381+31.6% | $9,162+6.0% | $7,339+32.3% |