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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 | $108,073 | $65,027+66.2% | $90,970+18.8% | $79,852+35.3% |
| Participation rate | 64.3% | 61.6%+2.7pp | 69.0%-4.7pp | 69.6%-5.4pp |
| Annual return | 7.88% | 30.45%-22.6pp | 134.58%-126.7pp | 31.72%-23.8pp |
| Employer contribution / active EE | $1,728 | $1,247+38.6% | $2,122-18.6% | $2,471-30.1% |
| Participant deferral / active EE | $1,838 | $2,512-26.8% | $3,373-45.5% | $3,740-50.9% |
| Admin fee / account holder | $25,131 | $4,535+454.1% | $5,960+321.6% | $5,306+373.6% |