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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 | $142,650 | $78,428+81.9% | $95,960+48.7% | $79,852+78.6% |
| Participation rate | 66.7% | 73.5%-6.8pp | 77.1%-10.4pp | 69.6%-3.0pp |
| Annual return | 9.13% | 19.37%-10.2pp | 91.63%-82.5pp | 31.72%-22.6pp |
| Employer contribution / active EE | $1,605 | $1,945-17.5% | $2,541-36.8% | $2,471-35.1% |
| Participant deferral / active EE | $4,509 | $3,440+31.1% | $4,167+8.2% | $3,740+20.5% |
| Admin fee / account holder | $3,171 | $5,622-43.6% | $6,797-53.3% | $5,306-40.2% |