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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 | $160,570 | $59,440+170.1% | $78,004+105.8% | $82,637+94.3% |
| Participation rate | 55.6% | 62.8%-7.3pp | 69.4%-13.9pp | 68.1%-12.5pp |
| Annual return | 12.29% | 40.24%-28.0pp | 31.07%-18.8pp | 53.51%-41.2pp |
| Employer contribution / active EE | $2,218 | $1,750+26.7% | $2,469-10.2% | $2,552-13.1% |
| Participant deferral / active EE | $6,724 | $3,138+114.2% | $4,092+64.3% | $4,126+63.0% |
| Admin fee / account holder | $3,446 | $5,504-37.4% | $7,578-54.5% | $7,339-53.0% |