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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 | $150,230 | $93,617+60.5% | $135,982+10.5% | $75,177+99.8% |
| Participation rate | 45.5% | 75.2%-29.7pp | 81.9%-36.5pp | 67.2%-21.8pp |
| Annual return | 12.69% | 30.89%-18.2pp | 68.32%-55.6pp | 160.75%-148.1pp |
| Employer contribution / active EE | $2,580 | $3,538-27.1% | $4,859-46.9% | $2,671-3.4% |
| Participant deferral / active EE | $5,759 | $6,406-10.1% | $7,760-25.8% | $4,126+39.6% |
| Admin fee / account holder | $422 | $6,980-94.0% | $10,767-96.1% | $5,651-92.5% |