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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 | $190,609 | $124,425+53.2% | $112,040+70.1% | $137,256+38.9% |
| Participation rate | 55.6% | 79.3%-23.8pp | 76.5%-20.9pp | 80.0%-24.4pp |
| Annual return | 6.50% | 24.72%-18.2pp | 24.52%-18.0pp | 220.34%-213.8pp |
| Employer contribution / active EE | $2,448 | $3,411-28.2% | $2,954-17.1% | $4,156-41.1% |
| Participant deferral / active EE | $6,680 | $5,718+16.8% | $5,098+31.0% | $6,407+4.3% |
| Admin fee / account holder | $318 | $15,207-97.9% | $12,098-97.4% | $12,270-97.4% |