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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 | $106,524+18.2% | $152,301-17.4% | $87,485+43.9% |
| Participation rate | 67.5% | 75.8%-8.3pp | 82.4%-14.9pp | 68.9%-1.4pp |
| Annual return | 13.97% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.1pp |
| Employer contribution / active EE | $2,065 | $3,371-38.7% | $4,624-55.3% | $2,596-20.5% |
| Participant deferral / active EE | $4,481 | $6,525-31.3% | $8,004-44.0% | $4,274+4.8% |
| Admin fee / account holder | $33,762 | $8,287+307.4% | $14,398+134.5% | $7,775+334.2% |