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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 | $178,274 | $176,838+0.8% | $146,685+21.5% | $167,518+6.4% |
| Participation rate | 60.0% | 83.6%-23.6pp | 80.1%-20.1pp | 82.1%-22.1pp |
| Annual return | 6.87% | 24.04%-17.2pp | 22.75%-15.9pp | 478.71%-471.8pp |
| Employer contribution / active EE | $3,880 | $5,161-24.8% | $4,137-6.2% | $4,838-19.8% |
| Participant deferral / active EE | $10,819 | $6,441+68.0% | $5,507+96.5% | $6,342+70.6% |
| Admin fee / account holder | $790 | $13,262-94.0% | $10,281-92.3% | $12,312-93.6% |