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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 | $75,541+214.9% | $152,093+56.4% | $82,637+187.9% |
| Participation rate | 53.8% | 66.5%-12.7pp | 77.8%-23.9pp | 68.1%-14.2pp |
| Annual return | 12.61% | 32.56%-19.9pp | 66.36%-53.7pp | 53.51%-40.9pp |
| Employer contribution / active EE | $2,322 | $2,622-11.4% | $4,175-44.4% | $2,552-9.0% |
| Participant deferral / active EE | $5,359 | $3,206+67.2% | $5,451-1.7% | $4,126+29.9% |
| Admin fee / account holder | $520 | $6,405-91.9% | $14,497-96.4% | $7,339-92.9% |