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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 | $142,665 | $99,875+42.8% | $146,866-2.9% | $86,983+64.0% |
| Participation rate | 51.5% | 75.8%-24.3pp | 82.5%-31.0pp | 69.5%-18.1pp |
| Annual return | 9.60% | 28.10%-18.5pp | 102.85%-93.3pp | 25.83%-16.2pp |
| Employer contribution / active EE | $1,519 | $3,224-52.9% | $4,425-65.7% | $2,584-41.2% |
| Participant deferral / active EE | $3,540 | $6,322-44.0% | $7,759-54.4% | $4,194-15.6% |
| Admin fee / account holder | $6,761 | $7,838-13.7% | $13,620-50.4% | $7,856-13.9% |