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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 | $149,393 | $59,440+151.3% | $78,004+91.5% | $82,637+80.8% |
| Participation rate | 67.9% | 62.8%+5.0pp | 69.4%-1.6pp | 68.1%-0.2pp |
| Annual return | 10.07% | 40.24%-30.2pp | 31.07%-21.0pp | 53.51%-43.4pp |
| Employer contribution / active EE | $3,838 | $1,750+119.3% | $2,469+55.5% | $2,552+50.4% |
| Participant deferral / active EE | $11,682 | $3,138+272.2% | $4,092+185.5% | $4,126+183.1% |
| Admin fee / account holder | $345 | $5,504-93.7% | $7,578-95.4% | $7,339-95.3% |