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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 | $162,203 | $51,222+216.7% | $70,544+129.9% | $75,173+115.8% |
| Participation rate | 56.3% | 61.0%-4.7pp | 68.4%-12.1pp | 67.2%-11.0pp |
| Annual return | 10.87% | 30.06%-19.2pp | 32.79%-21.9pp | 160.72%-149.9pp |
| Employer contribution / active EE | $2,091 | $1,827+14.5% | $2,976-29.7% | $2,671-21.7% |
| Participant deferral / active EE | $3,672 | $2,850+28.8% | $4,568-19.6% | $4,126-11.0% |
| Admin fee / account holder | $12,040 | $4,096+194.0% | $6,427+87.3% | $5,651+113.1% |