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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 | $63,773+149.6% | $81,286+95.8% | $80,925+96.7% |
| Participation rate | 55.6% | 63.9%-8.4pp | 69.5%-14.0pp | 67.7%-12.1pp |
| Annual return | 8.01% | 16.37%-8.4pp | 24.80%-16.8pp | 35.65%-27.6pp |
| Employer contribution / active EE | $1,624 | $1,979-18.0% | $2,463-34.1% | $2,756-41.1% |
| Participant deferral / active EE | $3,047 | $3,093-1.5% | $3,883-21.5% | $4,299-29.1% |
| Admin fee / account holder | $13,992 | $5,682+146.2% | $5,764+142.7% | $6,940+101.6% |