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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 | $180,752 | $77,523+133.2% | $100,383+80.1% | $80,874+123.5% |
| Participation rate | 55.6% | 77.0%-21.4pp | 81.5%-25.9pp | 67.6%-12.1pp |
| Annual return | 10.06% | 37.21%-27.1pp | 49.26%-39.2pp | 35.62%-25.6pp |
| Employer contribution / active EE | $2,439 | $2,801-12.9% | $3,944-38.2% | $2,756-11.5% |
| Participant deferral / active EE | $6,136 | $6,822-10.1% | $8,086-24.1% | $4,297+42.8% |
| Admin fee / account holder | $7,352 | $5,899+24.6% | $7,900-6.9% | $6,935+6.0% |