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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 | $179,136 | $94,436+89.7% | $115,599+55.0% | $82,637+116.8% |
| Participation rate | 48.0% | 70.4%-22.4pp | 74.3%-26.3pp | 68.1%-20.1pp |
| Annual return | 10.27% | 18.37%-8.1pp | 111.10%-100.8pp | 53.51%-43.2pp |
| Employer contribution / active EE | $1,620 | $2,324-30.3% | $2,955-45.2% | $2,552-36.5% |
| Participant deferral / active EE | $4,662 | $3,955+17.9% | $4,889-4.7% | $4,126+13.0% |
| Admin fee / account holder | $2,841 | $10,328-72.5% | $12,841-77.9% | $7,339-61.3% |