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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 | $149,470 | $57,140+161.6% | $85,240+75.4% | $80,959+84.6% |
| Participation rate | 35.5% | 56.4%-20.9pp | 67.5%-32.0pp | 67.7%-32.2pp |
| Annual return | 8.42% | 21.71%-13.3pp | 66.75%-58.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $1,485 | $1,802-17.6% | $2,735-45.7% | $2,757-46.1% |
| Participant deferral / active EE | $2,327 | $3,115-25.3% | $4,527-48.6% | $4,300-45.9% |
| Admin fee / account holder | $2,294 | $4,992-54.0% | $6,165-62.8% | $6,925-66.9% |