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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 | $194,281 | $88,672+119.1% | $105,223+84.6% | $82,448+135.6% |
| Participation rate | 59.3% | 67.9%-8.7pp | 75.0%-15.8pp | 68.1%-8.8pp |
| Annual return | 12.64% | 30.86%-18.2pp | 180.65%-168.0pp | 41.64%-29.0pp |
| Employer contribution / active EE | $2,564 | $3,048-15.9% | $3,689-30.5% | $2,551+0.5% |
| Participant deferral / active EE | $6,672 | $4,036+65.3% | $5,072+31.6% | $4,139+61.2% |
| Admin fee / account holder | $6,777 | $7,146-5.2% | $8,859-23.5% | $7,234-6.3% |