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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 | $69,399 | $48,053+44.4% | $84,628-18.0% | $72,975-4.9% |
| Participation rate | 62.0% | 57.6%+4.4pp | 68.2%-6.2pp | 69.5%-7.5pp |
| Annual return | 16.85% | 37.39%-20.5pp | 258.80%-241.9pp | 81.01%-64.2pp |
| Employer contribution / active EE | $2,083 | $1,602+30.0% | $2,653-21.5% | $2,440-14.6% |
| Participant deferral / active EE | $3,619 | $2,681+35.0% | $3,900-7.2% | $3,608+0.3% |
| Admin fee / account holder | $13,990 | $3,395+312.0% | $4,914+184.7% | $5,124+173.0% |