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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 | $149,774 | $49,976+199.7% | $66,674+124.6% | $82,637+81.2% |
| Participation rate | 54.1% | 63.1%-9.0pp | 73.7%-19.6pp | 68.1%-14.0pp |
| Annual return | 13.23% | 39.09%-25.9pp | 321.24%-308.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $3,195 | $1,988+60.7% | $2,620+21.9% | $2,552+25.2% |
| Participant deferral / active EE | $5,098 | $2,847+79.1% | $4,084+24.8% | $4,126+23.6% |
| Admin fee / account holder | $2,784 | $4,594-39.4% | $5,098-45.4% | $7,339-62.1% |