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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 | $156,903 | $64,729+142.4% | $112,263+39.8% | $68,490+129.1% |
| Participation rate | 43.2% | 67.2%-23.9pp | 75.1%-31.8pp | 67.9%-24.7pp |
| Annual return | -22.04% | -11.40%-10.6pp | 27.49%-49.5pp | -7.85%-14.2pp |
| Employer contribution / active EE | $3,102 | $2,746+13.0% | $3,636-14.7% | $2,597+19.5% |
| Participant deferral / active EE | $4,975 | $3,566+39.5% | $4,729+5.2% | $4,028+23.5% |
| Admin fee / account holder | $748 | $5,222-85.7% | $6,410-88.3% | $5,403-86.2% |