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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 | $176,536 | $60,349+192.5% | $74,184+138.0% | $62,881+180.7% |
| Participation rate | 60.0% | 72.7%-12.7pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | -4.52% | 21.38%-25.9pp | 17.74%-22.3pp | 20.14%-24.7pp |
| Employer contribution / active EE | $2,616 | $1,680+55.7% | $2,370+10.4% | $2,281+14.7% |
| Participant deferral / active EE | $4,163 | $2,856+45.7% | $3,550+17.3% | $3,203+30.0% |
| Admin fee / account holder | $711 | $4,261-83.3% | $5,586-87.3% | $4,296-83.5% |