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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 | $178,247 | $52,580+239.0% | $71,671+148.7% | $70,126+154.2% |
| Participation rate | 61.5% | 60.9%+0.7pp | 68.7%-7.2pp | 69.5%-8.0pp |
| Annual return | 11.74% | 20.25%-8.5pp | 20.65%-8.9pp | 73.15%-61.4pp |
| Employer contribution / active EE | $2,106 | $1,616+30.4% | $2,460-14.4% | $2,343-10.1% |
| Participant deferral / active EE | $3,488 | $2,386+46.2% | $3,438+1.5% | $3,332+4.7% |
| Admin fee / account holder | $3,227 | $3,653-11.6% | $5,558-41.9% | $4,645-30.5% |