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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 | $93,345+72.2% | $119,126+34.9% | $87,485+83.8% |
| Participation rate | 37.0% | 68.7%-31.7pp | 75.8%-38.7pp | 68.9%-31.9pp |
| Annual return | 10.22% | 19.08%-8.9pp | 282.11%-271.9pp | 26.06%-15.8pp |
| Employer contribution / active EE | $1,430 | $3,172-54.9% | $4,034-64.5% | $2,596-44.9% |
| Participant deferral / active EE | $2,482 | $4,099-39.4% | $5,318-53.3% | $4,274-41.9% |
| Admin fee / account holder | $12,418 | $8,039+54.5% | $10,693+16.1% | $7,775+59.7% |