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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 | $113,475 | $93,345+21.6% | $119,126-4.7% | $87,485+29.7% |
| Participation rate | 62.5% | 68.7%-6.2pp | 75.8%-13.3pp | 68.9%-6.4pp |
| Annual return | 4.40% | 19.08%-14.7pp | 282.11%-277.7pp | 26.06%-21.7pp |
| Employer contribution / active EE | $2,913 | $3,172-8.2% | $4,034-27.8% | $2,596+12.2% |
| Participant deferral / active EE | $5,673 | $4,099+38.4% | $5,318+6.7% | $4,274+32.7% |
| Admin fee / account holder | $9,229 | $8,039+14.8% | $10,693-13.7% | $7,775+18.7% |