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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 | $143,947 | $90,400+59.2% | $186,193-22.7% | $87,485+64.5% |
| Participation rate | 54.1% | 66.2%-12.1pp | 77.1%-23.1pp | 68.9%-14.9pp |
| Annual return | 6.37% | 22.15%-15.8pp | 78.03%-71.7pp | 26.06%-19.7pp |
| Employer contribution / active EE | $1,714 | $2,170-21.0% | $3,918-56.3% | $2,596-34.0% |
| Participant deferral / active EE | $3,535 | $4,330-18.4% | $6,513-45.7% | $4,274-17.3% |
| Admin fee / account holder | $2,414 | $8,673-72.2% | $11,058-78.2% | $7,775-68.9% |