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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 | $146,919 | $51,638+184.5% | $68,368+114.9% | $82,448+78.2% |
| Participation rate | 41.7% | 63.6%-21.9pp | 73.8%-32.1pp | 68.1%-26.4pp |
| Annual return | 10.17% | 37.53%-27.4pp | 292.57%-282.4pp | 41.64%-31.5pp |
| Employer contribution / active EE | $1,049 | $2,047-48.7% | $2,649-60.4% | $2,551-58.9% |
| Participant deferral / active EE | $4,019 | $2,914+38.0% | $4,123-2.5% | $4,139-2.9% |
| Admin fee / account holder | $6,336 | $4,643+36.4% | $5,150+23.0% | $7,234-12.4% |