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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 | $78,534 | $58,234+34.9% | $81,783-4.0% | $80,874-2.9% |
| Participation rate | 63.9% | 63.4%+0.5pp | 72.4%-8.5pp | 67.6%-3.8pp |
| Annual return | 9.25% | 41.70%-32.5pp | 775.05%-765.8pp | 35.62%-26.4pp |
| Employer contribution / active EE | $2,876 | $2,341+22.8% | $2,913-1.3% | $2,756+4.4% |
| Participant deferral / active EE | $4,083 | $3,283+24.4% | $4,320-5.5% | $4,297-5.0% |
| Admin fee / account holder | $2,345 | $4,982-52.9% | $7,380-68.2% | $6,935-66.2% |