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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 | $165,161 | $57,119+189.1% | $85,187+93.9% | $80,935+104.1% |
| Participation rate | 26.9% | 56.4%-29.5pp | 67.5%-40.6pp | 67.7%-40.7pp |
| Annual return | 9.40% | 21.70%-12.3pp | 66.67%-57.3pp | 35.66%-26.3pp |
| Employer contribution / active EE | $864 | $1,802-52.0% | $2,732-68.4% | $2,757-68.6% |
| Participant deferral / active EE | $3,781 | $3,115+21.4% | $4,525-16.4% | $4,299-12.1% |
| Admin fee / account holder | $35,964 | $4,990+620.7% | $6,162+483.7% | $6,924+419.4% |