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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 | $149,010 | $72,607+105.2% | $90,259+65.1% | $87,485+70.3% |
| Participation rate | 56.3% | 64.8%-8.6pp | 70.7%-14.5pp | 68.9%-12.7pp |
| Annual return | 10.92% | 18.59%-7.7pp | 18.88%-8.0pp | 26.06%-15.1pp |
| Employer contribution / active EE | $1,180 | $1,919-38.5% | $2,291-48.5% | $2,596-54.5% |
| Participant deferral / active EE | $2,992 | $3,055-2.1% | $3,827-21.8% | $4,274-30.0% |
| Admin fee / account holder | $1,314 | $5,947-77.9% | $7,267-81.9% | $7,775-83.1% |