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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 | $177,969 | $106,864+66.5% | $147,318+20.8% | $82,637+115.4% |
| Participation rate | 57.1% | 75.5%-18.4pp | 82.1%-24.9pp | 68.1%-10.9pp |
| Annual return | 13.74% | 27.49%-13.8pp | 70.43%-56.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,571 | $3,417-24.7% | $4,593-44.0% | $2,552+0.7% |
| Participant deferral / active EE | $6,644 | $6,496+2.3% | $7,906-16.0% | $4,126+61.0% |
| Admin fee / account holder | $4,590 | $8,415-45.4% | $13,708-66.5% | $7,339-37.5% |