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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 | $166,763 | $87,733+90.1% | $106,551+56.5% | $85,856+94.2% |
| Participation rate | 40.0% | 71.9%-31.9pp | 76.1%-36.1pp | 69.3%-29.3pp |
| Annual return | 6.42% | 21.86%-15.4pp | 26.80%-20.4pp | 318.58%-312.2pp |
| Employer contribution / active EE | $1,830 | $2,073-11.7% | $2,819-35.1% | $2,565-28.7% |
| Participant deferral / active EE | $3,190 | $3,469-8.1% | $4,398-27.5% | $3,952-19.3% |
| Admin fee / account holder | $3,969 | $6,767-41.4% | $7,408-46.4% | $6,261-36.6% |