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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 | $188,638 | $154,228+22.3% | $145,433+29.7% | $137,256+37.4% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.1%-25.0pp | 80.0%-22.8pp |
| Annual return | 11.29% | 74.59%-63.3pp | 66.58%-55.3pp | 220.34%-209.1pp |
| Employer contribution / active EE | $1,640 | $4,804-65.9% | $4,554-64.0% | $4,156-60.5% |
| Participant deferral / active EE | $5,544 | $8,216-32.5% | $7,897-29.8% | $6,407-13.5% |
| Admin fee / account holder | $2,192 | $14,344-84.7% | $13,129-83.3% | $12,270-82.1% |