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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 | $157,810 | $65,364+141.4% | $92,909+69.9% | $72,975+116.3% |
| Participation rate | 45.2% | 68.3%-23.1pp | 76.0%-30.8pp | 69.5%-24.3pp |
| Annual return | 15.45% | 42.11%-26.7pp | 109.44%-94.0pp | 81.01%-65.6pp |
| Employer contribution / active EE | $1,337 | $2,594-48.5% | $3,653-63.4% | $2,440-45.2% |
| Participant deferral / active EE | $4,602 | $3,128+47.1% | $4,238+8.6% | $3,608+27.6% |
| Admin fee / account holder | $2,780 | $4,251-34.6% | $5,795-52.0% | $5,124-45.7% |