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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 | $178,545 | $89,259+100.0% | $107,187+66.6% | $82,637+116.1% |
| Participation rate | 52.0% | 67.9%-15.9pp | 75.0%-23.0pp | 68.1%-16.1pp |
| Annual return | 10.89% | 21.02%-10.1pp | 204.55%-193.7pp | 53.51%-42.6pp |
| Employer contribution / active EE | $2,488 | $3,080-19.2% | $3,782-34.2% | $2,552-2.5% |
| Participant deferral / active EE | $4,382 | $4,037+8.5% | $5,096-14.0% | $4,126+6.2% |
| Admin fee / account holder | $2,035 | $7,381-72.4% | $9,162-77.8% | $7,339-72.3% |