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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 | $157,045 | $99,875+57.2% | $146,866+6.9% | $86,983+80.5% |
| Participation rate | 63.3% | 75.8%-12.5pp | 82.5%-19.2pp | 69.5%-6.2pp |
| Annual return | 13.41% | 28.10%-14.7pp | 102.85%-89.4pp | 25.83%-12.4pp |
| Employer contribution / active EE | $2,484 | $3,224-22.9% | $4,425-43.8% | $2,584-3.9% |
| Participant deferral / active EE | $4,064 | $6,322-35.7% | $7,759-47.6% | $4,194-3.1% |
| Admin fee / account holder | $27,460 | $7,838+250.3% | $13,620+101.6% | $7,856+249.5% |