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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 | $58,627+154.8% | $76,735+94.7% | $82,448+81.2% |
| Participation rate | 67.9% | 63.2%+4.6pp | 69.5%-1.6pp | 68.1%-0.2pp |
| Annual return | 10.07% | 39.10%-29.0pp | 29.77%-19.7pp | 41.64%-31.6pp |
| Employer contribution / active EE | $3,838 | $1,729+122.0% | $2,454+56.4% | $2,551+50.5% |
| Participant deferral / active EE | $11,682 | $3,134+272.8% | $4,088+185.8% | $4,139+182.2% |
| Admin fee / account holder | $345 | $5,323-93.5% | $7,189-95.2% | $7,234-95.2% |