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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 | $118,700 | $80,674+47.1% | $119,126-0.4% | $64,340+84.5% |
| Participation rate | 63.3% | 55.2%+8.1pp | 75.8%-12.5pp | 55.2%+8.1pp |
| Annual return | 9.46% | 26.86%-17.4pp | 282.11%-272.6pp | 24.14%-14.7pp |
| Employer contribution / active EE | $2,525 | $2,564-1.5% | $4,034-37.4% | $1,862+35.6% |
| Participant deferral / active EE | $5,335 | $3,053+74.7% | $5,318+0.3% | $2,980+79.0% |
| Admin fee / account holder | $7,994 | $4,559+75.4% | $10,693-25.2% | $3,703+115.9% |