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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 | $159,183 | $63,845+149.3% | $81,370+95.6% | $80,959+96.6% |
| Participation rate | 55.6% | 63.9%-8.3pp | 69.5%-14.0pp | 67.7%-12.1pp |
| Annual return | 8.01% | 16.37%-8.4pp | 24.85%-16.8pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,624 | $1,980-18.0% | $2,464-34.1% | $2,757-41.1% |
| Participant deferral / active EE | $3,047 | $3,093-1.5% | $3,885-21.6% | $4,300-29.1% |
| Admin fee / account holder | $13,992 | $5,688+146.0% | $5,749+143.4% | $6,925+102.0% |