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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 | $172,327 | $73,955+133.0% | $96,520+78.5% | $75,181+129.2% |
| Participation rate | 54.8% | 66.4%-11.6pp | 74.3%-19.5pp | 67.2%-12.4pp |
| Annual return | 11.88% | 26.72%-14.8pp | 35.72%-23.8pp | 160.69%-148.8pp |
| Employer contribution / active EE | $2,094 | $2,930-28.5% | $3,739-44.0% | $2,671-21.6% |
| Participant deferral / active EE | $3,537 | $3,659-3.4% | $4,879-27.5% | $4,126-14.3% |
| Admin fee / account holder | $1,540 | $5,217-70.5% | $6,733-77.1% | $5,650-72.7% |