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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 | $146,564 | $59,123+147.9% | $77,183+89.9% | $75,181+94.9% |
| Participation rate | 55.6% | 63.9%-8.3pp | 69.6%-14.0pp | 67.2%-11.6pp |
| Annual return | 8.75% | 26.72%-18.0pp | 37.89%-29.1pp | 160.69%-151.9pp |
| Employer contribution / active EE | $1,498 | $1,996-24.9% | $2,534-40.9% | $2,671-43.9% |
| Participant deferral / active EE | $2,933 | $2,999-2.2% | $3,833-23.5% | $4,126-28.9% |
| Admin fee / account holder | $3,223 | $4,776-32.5% | $5,475-41.1% | $5,650-43.0% |