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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 | $160,758 | $88,672+81.3% | $105,223+52.8% | $82,448+95.0% |
| Participation rate | 37.0% | 67.9%-30.9pp | 75.0%-38.0pp | 68.1%-31.0pp |
| Annual return | 10.22% | 30.86%-20.6pp | 180.65%-170.4pp | 41.64%-31.4pp |
| Employer contribution / active EE | $1,430 | $3,048-53.1% | $3,689-61.2% | $2,551-43.9% |
| Participant deferral / active EE | $2,482 | $4,036-38.5% | $5,072-51.1% | $4,139-40.0% |
| Admin fee / account holder | $12,418 | $7,146+73.8% | $8,859+40.2% | $7,234+71.7% |