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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 | $137,090 | $41,016+234.2% | $152,093-9.9% | $64,097+113.9% |
| Participation rate | 26.4% | 51.3%-24.9pp | 77.8%-51.4pp | 55.2%-28.8pp |
| Annual return | 9.40% | 39.60%-30.2pp | 66.36%-57.0pp | 34.64%-25.2pp |
| Employer contribution / active EE | $955 | $1,342-28.9% | $4,175-77.1% | $1,891-49.5% |
| Participant deferral / active EE | $2,481 | $1,927+28.7% | $5,451-54.5% | $3,080-19.5% |
| Admin fee / account holder | $13,729 | $2,305+495.6% | $14,497-5.3% | $3,454+297.4% |