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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 | $183,684 | $86,949+111.3% | $102,460+79.3% | $80,959+126.9% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.5pp | 67.7%-13.6pp |
| Annual return | 7.83% | 18.89%-11.1pp | 29.47%-21.6pp | 35.67%-27.8pp |
| Employer contribution / active EE | $2,136 | $2,370-9.9% | $3,025-29.4% | $2,757-22.5% |
| Participant deferral / active EE | $6,102 | $4,121+48.1% | $5,056+20.7% | $4,300+41.9% |
| Admin fee / account holder | $6,787 | $8,048-15.7% | $9,460-28.3% | $6,925-2.0% |