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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 | $138,926 | $107,809+28.9% | $97,032+43.2% | $155,188-10.5% |
| Participation rate | 52.9% | 75.5%-22.5pp | 71.6%-18.6pp | 80.8%-27.9pp |
| Annual return | 3.16% | 38.06%-34.9pp | 35.38%-32.2pp | 148.84%-145.7pp |
| Employer contribution / active EE | $2,497 | $2,911-14.2% | $2,629-5.0% | $4,248-41.2% |
| Participant deferral / active EE | $4,979 | $5,129-2.9% | $4,672+6.6% | $6,531-23.8% |
| Admin fee / account holder | $9,521 | $10,717-11.2% | $9,418+1.1% | $14,480-34.2% |