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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 | $114,190 | $49,897+128.9% | $80,648+41.6% | $75,177+51.9% |
| Participation rate | 56.0% | 55.3%+0.7pp | 67.0%-11.0pp | 67.2%-11.2pp |
| Annual return | 13.14% | 34.68%-21.5pp | 937.21%-924.1pp | 160.75%-147.6pp |
| Employer contribution / active EE | $365 | $1,699-78.5% | $2,724-86.6% | $2,671-86.3% |
| Participant deferral / active EE | $2,194 | $2,992-26.7% | $4,443-50.6% | $4,126-46.8% |
| Admin fee / account holder | $5,532 | $3,579+54.6% | $5,382+2.8% | $5,651-2.1% |