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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 | $125,868 | $106,749+17.9% | $145,433-13.5% | $82,448+52.7% |
| Participation rate | 67.5% | 75.6%-8.1pp | 82.1%-14.6pp | 68.1%-0.6pp |
| Annual return | 13.97% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $2,065 | $3,444-40.0% | $4,554-54.7% | $2,551-19.0% |
| Participant deferral / active EE | $4,481 | $6,519-31.3% | $7,897-43.3% | $4,139+8.3% |
| Admin fee / account holder | $33,762 | $8,390+302.4% | $13,129+157.2% | $7,234+366.7% |