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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 | $146,206 | $96,508+51.5% | $75,901+92.6% | $152,897-4.4% |
| Participation rate | 65.2% | 76.2%-11.0pp | 69.3%-4.1pp | 82.5%-17.2pp |
| Annual return | 9.99% | 33.99%-24.0pp | 30.76%-20.8pp | 345.43%-335.4pp |
| Employer contribution / active EE | $2,190 | $3,310-33.8% | $2,501-12.4% | $4,764-54.0% |
| Participant deferral / active EE | $5,035 | $4,554+10.6% | $3,603+39.7% | $5,851-13.9% |
| Admin fee / account holder | $2,303 | $8,081-71.5% | $5,420-57.5% | $11,599-80.1% |