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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 | $160,758 | $101,778+57.9% | $164,975-2.6% | $80,925+98.7% |
| Participation rate | 54.3% | 71.8%-17.5pp | 78.6%-24.3pp | 67.7%-13.4pp |
| Annual return | 9.84% | 16.73%-6.9pp | 70.12%-60.3pp | 35.65%-25.8pp |
| Employer contribution / active EE | $2,103 | $2,954-28.8% | $4,343-51.6% | $2,756-23.7% |
| Participant deferral / active EE | $4,206 | $4,477-6.0% | $6,033-30.3% | $4,299-2.1% |
| Admin fee / account holder | $17,364 | $8,221+111.2% | $12,688+36.9% | $6,940+150.2% |