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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 | $64,920+126.3% | $103,693+41.7% | $86,983+68.9% |
| Participation rate | 41.7% | 63.6%-21.9pp | 72.6%-31.0pp | 69.5%-27.9pp |
| Annual return | 10.17% | 30.29%-20.1pp | 47.61%-37.4pp | 25.83%-15.7pp |
| Employer contribution / active EE | $1,049 | $2,141-51.0% | $2,920-64.1% | $2,584-59.4% |
| Participant deferral / active EE | $4,019 | $3,241+24.0% | $4,579-12.2% | $4,194-4.2% |
| Admin fee / account holder | $6,336 | $6,191+2.3% | $7,858-19.4% | $7,856-19.3% |