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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 | $171,777 | $110,379+55.6% | $102,412+67.7% | $145,884+17.7% |
| Participation rate | 47.4% | 77.9%-30.6pp | 74.5%-27.1pp | 80.3%-32.9pp |
| Annual return | 3.14% | 24.84%-21.7pp | 24.94%-21.8pp | 551.85%-548.7pp |
| Employer contribution / active EE | $1,868 | $4,216-55.7% | $3,870-51.7% | $4,662-59.9% |
| Participant deferral / active EE | $6,501 | $5,622+15.6% | $5,060+28.5% | $6,690-2.8% |
| Admin fee / account holder | $2,460 | $9,745-74.8% | $8,388-70.7% | $13,392-81.6% |