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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 | $162,233 | $110,379+47.0% | $102,412+58.4% | $145,884+11.2% |
| Participation rate | 56.5% | 77.9%-21.4pp | 74.5%-18.0pp | 80.3%-23.8pp |
| Annual return | 8.91% | 24.84%-15.9pp | 24.94%-16.0pp | 551.85%-542.9pp |
| Employer contribution / active EE | $1,654 | $4,216-60.8% | $3,870-57.3% | $4,662-64.5% |
| Participant deferral / active EE | $6,761 | $5,622+20.3% | $5,060+33.6% | $6,690+1.1% |
| Admin fee / account holder | $7,141 | $9,745-26.7% | $8,388-14.9% | $13,392-46.7% |