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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 | $105,284+52.7% | $150,734+6.7% | $94,015+71.0% |
| Participation rate | 37.0% | 71.7%-34.7pp | 78.4%-41.4pp | 70.8%-33.8pp |
| Annual return | 10.22% | 15.67%-5.5pp | 600.81%-590.6pp | 17.84%-7.6pp |
| Employer contribution / active EE | $1,430 | $3,599-60.3% | $4,918-70.9% | $2,790-48.7% |
| Participant deferral / active EE | $2,482 | $4,274-41.9% | $5,610-55.8% | $4,249-41.6% |
| Admin fee / account holder | $12,418 | $9,839+26.2% | $14,905-16.7% | $8,951+38.7% |