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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 | $97,125+43.0% | $86,233+61.1% | $137,256+1.2% |
| Participation rate | 52.9% | 74.2%-21.3pp | 69.0%-16.1pp | 80.0%-27.0pp |
| Annual return | 3.16% | 74.19%-71.0pp | 61.39%-58.2pp | 220.34%-217.2pp |
| Employer contribution / active EE | $2,497 | $2,841-12.1% | $2,504-0.3% | $4,156-39.9% |
| Participant deferral / active EE | $4,979 | $5,180-3.9% | $4,559+9.2% | $6,407-22.3% |
| Admin fee / account holder | $9,521 | $9,725-2.1% | $8,342+14.1% | $12,270-22.4% |