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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 | $57,061+161.9% | $85,063+75.7% | $80,911+84.7% |
| Participation rate | 35.5% | 56.3%-20.9pp | 67.5%-32.0pp | 67.6%-32.2pp |
| Annual return | 8.42% | 21.66%-13.2pp | 66.54%-58.1pp | 35.63%-27.2pp |
| Employer contribution / active EE | $1,485 | $1,799-17.4% | $2,727-45.5% | $2,756-46.1% |
| Participant deferral / active EE | $2,327 | $3,110-25.2% | $4,523-48.6% | $4,297-45.9% |
| Admin fee / account holder | $2,294 | $4,986-54.0% | $6,155-62.7% | $6,935-66.9% |