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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 | $175,039 | $70,366+148.8% | $66,674+162.5% | $138,895+26.0% |
| Participation rate | 63.6% | 76.2%-12.5pp | 73.7%-10.0pp | 79.9%-16.3pp |
| Annual return | 12.76% | 386.41%-373.6pp | 321.24%-308.5pp | 145.39%-132.6pp |
| Employer contribution / active EE | $1,181 | $2,765-57.3% | $2,620-54.9% | $4,194-71.8% |
| Participant deferral / active EE | $3,313 | $4,374-24.3% | $4,084-18.9% | $6,396-48.2% |
| Admin fee / account holder | $4,095 | $5,262-22.2% | $5,098-19.7% | $12,562-67.4% |