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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 | $164,870 | $70,486+133.9% | $100,528+64.0% | $79,852+106.5% |
| Participation rate | 55.2% | 73.6%-18.5pp | 79.4%-24.2pp | 69.6%-14.5pp |
| Annual return | 9.20% | 21.90%-12.7pp | 30.90%-21.7pp | 31.72%-22.5pp |
| Employer contribution / active EE | $1,902 | $2,165-12.2% | $3,419-44.4% | $2,471-23.0% |
| Participant deferral / active EE | $3,800 | $5,182-26.7% | $6,271-39.4% | $3,740+1.6% |
| Admin fee / account holder | $2,052 | $4,480-54.2% | $8,084-74.6% | $5,306-61.3% |