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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 | $148,857 | $75,541+97.1% | $152,093-2.1% | $82,637+80.1% |
| Participation rate | 29.8% | 66.5%-36.8pp | 77.8%-48.0pp | 68.1%-38.3pp |
| Annual return | 10.39% | 32.56%-22.2pp | 66.36%-56.0pp | 53.51%-43.1pp |
| Employer contribution / active EE | $895 | $2,622-65.9% | $4,175-78.6% | $2,552-64.9% |
| Participant deferral / active EE | $3,104 | $3,206-3.2% | $5,451-43.1% | $4,126-24.8% |
| Admin fee / account holder | $14,431 | $6,405+125.3% | $14,497-0.5% | $7,339+96.6% |