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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 | $147,867 | $77,472+90.9% | $100,392+47.3% | $80,935+82.7% |
| Participation rate | 69.2% | 76.9%-7.7pp | 81.5%-12.3pp | 67.7%+1.6pp |
| Annual return | 8.65% | 37.26%-28.6pp | 49.45%-40.8pp | 35.66%-27.0pp |
| Employer contribution / active EE | $1,008 | $2,800-64.0% | $3,941-74.4% | $2,757-63.4% |
| Participant deferral / active EE | $4,873 | $6,818-28.5% | $8,090-39.8% | $4,299+13.3% |
| Admin fee / account holder | $6,776 | $5,885+15.1% | $7,904-14.3% | $6,924-2.1% |