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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 | $106,666 | $46,599+128.9% | $64,101+66.4% | $75,173+41.9% |
| Participation rate | 51.4% | 65.9%-14.6pp | 72.3%-21.0pp | 67.2%-15.9pp |
| Annual return | 11.12% | 26.06%-14.9pp | 33.72%-22.6pp | 160.72%-149.6pp |
| Employer contribution / active EE | $1,986 | $1,975+0.5% | $2,749-27.8% | $2,671-25.7% |
| Participant deferral / active EE | $4,753 | $2,837+67.5% | $3,881+22.5% | $4,126+15.2% |
| Admin fee / account holder | $313 | $2,956-89.4% | $3,070-89.8% | $5,651-94.5% |