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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 | $194,323 | $89,259+117.7% | $107,187+81.3% | $82,637+135.2% |
| Participation rate | 63.4% | 67.9%-4.5pp | 75.0%-11.6pp | 68.1%-4.6pp |
| Annual return | 11.60% | 21.02%-9.4pp | 204.55%-192.9pp | 53.51%-41.9pp |
| Employer contribution / active EE | $1,389 | $3,080-54.9% | $3,782-63.3% | $2,552-45.6% |
| Participant deferral / active EE | $5,078 | $4,037+25.8% | $5,096-0.3% | $4,126+23.1% |
| Admin fee / account holder | $7,571 | $7,381+2.6% | $9,162-17.4% | $7,339+3.2% |