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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 | $181,474 | $93,345+94.4% | $119,126+52.3% | $87,485+107.4% |
| Participation rate | 64.5% | 68.7%-4.2pp | 75.8%-11.2pp | 68.9%-4.4pp |
| Annual return | 9.82% | 19.08%-9.3pp | 282.11%-272.3pp | 26.06%-16.2pp |
| Employer contribution / active EE | $1,309 | $3,172-58.7% | $4,034-67.5% | $2,596-49.6% |
| Participant deferral / active EE | $3,869 | $4,099-5.6% | $5,318-27.2% | $4,274-9.5% |
| Admin fee / account holder | $1,469 | $8,039-81.7% | $10,693-86.3% | $7,775-81.1% |