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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 | $237,878 | $76,407+211.3% | $150,298+58.3% | $82,448+188.5% |
| Participation rate | 53.8% | 66.4%-12.6pp | 77.8%-23.9pp | 68.1%-14.2pp |
| Annual return | 12.61% | 39.99%-27.4pp | 62.79%-50.2pp | 41.64%-29.0pp |
| Employer contribution / active EE | $2,322 | $2,614-11.2% | $4,154-44.1% | $2,551-9.0% |
| Participant deferral / active EE | $5,359 | $3,214+66.7% | $5,453-1.7% | $4,139+29.5% |
| Admin fee / account holder | $520 | $6,352-91.8% | $14,116-96.3% | $7,234-92.8% |