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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 | $172,602 | $110,248+56.6% | $95,728+80.3% | $139,456+23.8% |
| Participation rate | 50.0% | 75.7%-25.7pp | 72.3%-22.3pp | 80.3%-30.3pp |
| Annual return | 6.26% | 27.16%-20.9pp | 28.40%-22.1pp | 373.45%-367.2pp |
| Employer contribution / active EE | $2,290 | $3,258-29.7% | $2,835-19.2% | $4,753-51.8% |
| Participant deferral / active EE | $2,324 | $4,675-50.3% | $4,245-45.3% | $6,711-65.4% |
| Admin fee / account holder | $317 | $6,607-95.2% | $5,673-94.4% | $11,407-97.2% |