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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 | $162,766 | $55,889+191.2% | $76,119+113.8% | $80,935+101.1% |
| Participation rate | 55.6% | 62.1%-6.5pp | 69.1%-13.5pp | 67.7%-12.1pp |
| Annual return | 9.81% | 20.58%-10.8pp | 361.25%-351.4pp | 35.66%-25.8pp |
| Employer contribution / active EE | $2,069 | $1,866+10.9% | $2,693-23.2% | $2,757-24.9% |
| Participant deferral / active EE | $5,548 | $3,051+81.8% | $4,259+30.2% | $4,299+29.0% |
| Admin fee / account holder | $4,592 | $5,241-12.4% | $6,421-28.5% | $6,924-33.7% |