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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 | $153,236 | $36,948+314.7% | $73,658+108.0% | $87,485+75.2% |
| Participation rate | 36.7% | 46.8%-10.2pp | 57.0%-20.4pp | 68.9%-32.3pp |
| Annual return | 7.21% | 28.64%-21.4pp | 29.72%-22.5pp | 26.06%-18.9pp |
| Employer contribution / active EE | $442 | $670-34.1% | $1,032-57.2% | $2,596-83.0% |
| Participant deferral / active EE | $3,506 | $1,379+154.2% | $2,062+70.0% | $4,274-18.0% |
| Admin fee / account holder | $74,952 | $2,531+2861.6% | $3,357+2132.9% | $7,775+864.0% |