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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 | $162,941 | $46,877+247.6% | $122,354+33.2% | $70,126+132.4% |
| Participation rate | 33.3% | 58.2%-24.9pp | 71.6%-38.3pp | 69.5%-36.2pp |
| Annual return | 11.01% | 24.22%-13.2pp | 30.28%-19.3pp | 73.15%-62.1pp |
| Employer contribution / active EE | $1,220 | $1,288-5.3% | $4,051-69.9% | $2,343-47.9% |
| Participant deferral / active EE | $2,589 | $2,167+19.4% | $3,287-21.2% | $3,332-22.3% |
| Admin fee / account holder | $20,745 | $3,324+524.1% | $5,479+278.6% | $4,645+346.6% |