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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 | $141,649 | $106,749+32.7% | $145,433-2.6% | $82,448+71.8% |
| Participation rate | 44.4% | 75.6%-31.2pp | 82.1%-37.7pp | 68.1%-23.6pp |
| Annual return | 13.95% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $3,061 | $3,444-11.1% | $4,554-32.8% | $2,551+20.0% |
| Participant deferral / active EE | $5,767 | $6,519-11.5% | $7,897-27.0% | $4,139+39.3% |
| Admin fee / account holder | $20,940 | $8,390+149.6% | $13,129+59.5% | $7,234+189.4% |