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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 | $185,111 | $72,607+155.0% | $90,259+105.1% | $87,485+111.6% |
| Participation rate | 49.0% | 64.8%-15.8pp | 70.7%-21.8pp | 68.9%-20.0pp |
| Annual return | 11.51% | 18.59%-7.1pp | 18.88%-7.4pp | 26.06%-14.6pp |
| Employer contribution / active EE | $1,879 | $1,919-2.1% | $2,291-18.0% | $2,596-27.6% |
| Participant deferral / active EE | $5,164 | $3,055+69.1% | $3,827+35.0% | $4,274+20.8% |
| Admin fee / account holder | $4,336 | $5,947-27.1% | $7,267-40.3% | $7,775-44.2% |