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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 | $144,810 | $49,976+189.8% | $66,674+117.2% | $82,637+75.2% |
| Participation rate | 65.7% | 63.1%+2.6pp | 73.7%-8.0pp | 68.1%-2.4pp |
| Annual return | 10.94% | 39.09%-28.1pp | 321.24%-310.3pp | 53.51%-42.6pp |
| Employer contribution / active EE | $1,453 | $1,988-26.9% | $2,620-44.5% | $2,552-43.1% |
| Participant deferral / active EE | $3,860 | $2,847+35.6% | $4,084-5.5% | $4,126-6.5% |
| Admin fee / account holder | $46,681 | $4,594+916.2% | $5,098+815.7% | $7,339+536.1% |