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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 | $178,977 | $77,523+130.9% | $100,383+78.3% | $80,874+121.3% |
| Participation rate | 63.0% | 77.0%-14.0pp | 81.5%-18.5pp | 67.6%-4.7pp |
| Annual return | 10.75% | 37.21%-26.5pp | 49.26%-38.5pp | 35.62%-24.9pp |
| Employer contribution / active EE | $5,144 | $2,801+83.6% | $3,944+30.4% | $2,756+86.7% |
| Participant deferral / active EE | $5,712 | $6,822-16.3% | $8,086-29.4% | $4,297+32.9% |
| Admin fee / account holder | $726 | $5,899-87.7% | $7,900-90.8% | $6,935-89.5% |