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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 | $156,032 | $106,864+46.0% | $147,318+5.9% | $82,637+88.8% |
| Participation rate | 58.8% | 75.5%-16.7pp | 82.1%-23.2pp | 68.1%-9.2pp |
| Annual return | 13.98% | 27.49%-13.5pp | 70.43%-56.4pp | 53.51%-39.5pp |
| Employer contribution / active EE | $2,207 | $3,417-35.4% | $4,593-52.0% | $2,552-13.5% |
| Participant deferral / active EE | $6,405 | $6,496-1.4% | $7,906-19.0% | $4,126+55.2% |
| Admin fee / account holder | $16,013 | $8,415+90.3% | $13,708+16.8% | $7,339+118.2% |