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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 | $145,662 | $77,358+88.3% | $102,184+42.5% | $87,485+66.5% |
| Participation rate | 64.0% | 78.7%-14.7pp | 82.6%-18.6pp | 68.9%-4.9pp |
| Annual return | 10.77% | 41.11%-30.3pp | 31.58%-20.8pp | 26.06%-15.3pp |
| Employer contribution / active EE | $2,259 | $2,562-11.8% | $3,594-37.1% | $2,596-13.0% |
| Participant deferral / active EE | $4,312 | $6,753-36.1% | $8,309-48.1% | $4,274+0.9% |
| Admin fee / account holder | $104,694 | $6,809+1437.6% | $11,609+801.9% | $7,775+1246.6% |