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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 | $60,442+162.8% | $96,754+64.2% | $87,485+81.6% |
| Participation rate | 36.4% | 58.7%-22.3pp | 70.3%-33.9pp | 68.9%-32.6pp |
| Annual return | 9.24% | 21.97%-12.7pp | 82.04%-72.8pp | 26.06%-16.8pp |
| Employer contribution / active EE | $1,511 | $1,691-10.6% | $2,679-43.6% | $2,596-41.8% |
| Participant deferral / active EE | $2,410 | $3,280-26.5% | $4,758-49.3% | $4,274-43.6% |
| Admin fee / account holder | $2,155 | $5,069-57.5% | $8,905-75.8% | $7,775-72.3% |