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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 | $178,040 | $110,379+61.3% | $102,412+73.8% | $145,884+22.0% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 8.35% | 24.84%-16.5pp | 24.94%-16.6pp | 551.85%-543.5pp |
| Employer contribution / active EE | $3,498 | $4,216-17.0% | $3,870-9.6% | $4,662-25.0% |
| Participant deferral / active EE | $12,336 | $5,622+119.4% | $5,060+143.8% | $6,690+84.4% |
| Admin fee / account holder | $796 | $9,745-91.8% | $8,388-90.5% | $13,392-94.1% |