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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 | $158,867 | $58,848+170.0% | $88,179+80.2% | $82,637+92.2% |
| Participation rate | 36.4% | 57.9%-21.5pp | 69.1%-32.8pp | 68.1%-31.7pp |
| Annual return | 9.24% | 22.76%-13.5pp | 64.97%-55.7pp | 53.51%-44.3pp |
| Employer contribution / active EE | $1,511 | $1,678-10.0% | $2,549-40.7% | $2,552-40.8% |
| Participant deferral / active EE | $2,410 | $3,124-22.8% | $4,614-47.8% | $4,126-41.6% |
| Admin fee / account holder | $2,155 | $4,795-55.1% | $7,673-71.9% | $7,339-70.6% |