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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 | $157,336 | $58,726+167.9% | $142,898+10.1% | $85,847+83.3% |
| Participation rate | 51.4% | 58.5%-7.1pp | 72.0%-20.5pp | 69.3%-17.9pp |
| Annual return | 11.06% | 27.73%-16.7pp | 5639.64%-5628.6pp | 318.61%-307.6pp |
| Employer contribution / active EE | $1,894 | $1,424+33.1% | $4,146-54.3% | $2,565-26.2% |
| Participant deferral / active EE | $4,238 | $2,609+62.5% | $3,838+10.4% | $3,952+7.2% |
| Admin fee / account holder | $4,605 | $4,234+8.8% | $6,560-29.8% | $6,261-26.4% |