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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 | $148,148 | $71,197+108.1% | $93,669+58.2% | $80,925+83.1% |
| Participation rate | 61.8% | 60.4%+1.4pp | 68.7%-6.9pp | 67.7%-5.8pp |
| Annual return | 9.34% | 11.27%-1.9pp | 133.59%-124.2pp | 35.65%-26.3pp |
| Employer contribution / active EE | $1,389 | $1,565-11.2% | $2,424-42.7% | $2,756-49.6% |
| Participant deferral / active EE | $4,853 | $4,036+20.3% | $4,416+9.9% | $4,299+12.9% |
| Admin fee / account holder | $4,483 | $6,959-35.6% | $8,291-45.9% | $6,940-35.4% |