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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 | $124,719 | $112,729+10.6% | $98,716+26.3% | $137,256-9.1% |
| Participation rate | 64.3% | 74.2%-9.9pp | 69.3%-5.0pp | 80.0%-15.7pp |
| Annual return | 2.75% | 38.48%-35.7pp | 31.81%-29.1pp | 220.34%-217.6pp |
| Employer contribution / active EE | $903 | $2,725-66.9% | $2,279-60.4% | $4,156-78.3% |
| Participant deferral / active EE | $2,243 | $4,640-51.7% | $4,048-44.6% | $6,407-65.0% |
| Admin fee / account holder | $156,357 | $10,129+1443.7% | $8,703+1696.6% | $12,270+1174.3% |