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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 | $186,047 | $123,793+50.3% | $177,848+4.6% | $79,856+133.0% |
| Participation rate | 57.1% | 84.7%-27.5pp | 87.7%-30.6pp | 69.6%-12.5pp |
| Annual return | 10.33% | 22.82%-12.5pp | 48.33%-38.0pp | 31.71%-21.4pp |
| Employer contribution / active EE | $2,388 | $4,095-41.7% | $5,919-59.7% | $2,471-3.4% |
| Participant deferral / active EE | $5,528 | $5,956-7.2% | $7,714-28.3% | $3,741+47.8% |
| Admin fee / account holder | $13,308 | $7,243+83.7% | $12,431+7.0% | $5,306+150.8% |