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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 | $158,645 | $37,446+323.7% | $77,552+104.6% | $79,856+98.7% |
| Participation rate | 17.9% | 41.5%-23.7pp | 54.2%-36.3pp | 69.6%-51.8pp |
| Annual return | 9.58% | 39.76%-30.2pp | 54.82%-45.2pp | 31.71%-22.1pp |
| Employer contribution / active EE | $323 | $637-49.4% | $987-67.3% | $2,471-86.9% |
| Participant deferral / active EE | $978 | $1,261-22.5% | $1,861-47.5% | $3,741-73.9% |
| Admin fee / account holder | $7,330 | $2,506+192.5% | $2,859+156.4% | $5,306+38.1% |