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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 | $151,971 | $81,358+86.8% | $155,556-2.3% | $80,959+87.7% |
| Participation rate | 60.6% | 66.3%-5.7pp | 78.2%-17.6pp | 67.7%-7.1pp |
| Annual return | 9.82% | 33.39%-23.6pp | 64.84%-55.0pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,841 | $3,106-40.7% | $4,675-60.6% | $2,757-33.2% |
| Participant deferral / active EE | $5,207 | $3,455+50.7% | $5,631-7.5% | $4,300+21.1% |
| Admin fee / account holder | $11,460 | $7,994+43.4% | $15,885-27.9% | $6,925+65.5% |