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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 | $174,600 | $69,590+150.9% | $136,867+27.6% | $94,015+85.7% |
| Participation rate | 56.7% | 66.3%-9.7pp | 74.5%-17.9pp | 70.8%-14.2pp |
| Annual return | 10.39% | 19.62%-9.2pp | 42.97%-32.6pp | 17.84%-7.4pp |
| Employer contribution / active EE | $2,716 | $2,396+13.3% | $3,547-23.4% | $2,790-2.6% |
| Participant deferral / active EE | $3,600 | $3,437+4.8% | $4,924-26.9% | $4,249-15.3% |
| Admin fee / account holder | $6,845 | $8,912-23.2% | $10,340-33.8% | $8,951-23.5% |