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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 | $158,464 | $81,476+94.5% | $102,383+54.8% | $80,925+95.8% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 8.80% | 25.59%-16.8pp | 24.94%-16.1pp | 35.65%-26.9pp |
| Employer contribution / active EE | $2,186 | $3,105-29.6% | $3,870-43.5% | $2,756-20.7% |
| Participant deferral / active EE | $5,262 | $3,871+35.9% | $5,060+4.0% | $4,299+22.4% |
| Admin fee / account holder | $4,497 | $6,717-33.1% | $8,391-46.4% | $6,940-35.2% |