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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 | $193,812 | $88,672+118.6% | $105,223+84.2% | $82,448+135.1% |
| Participation rate | 47.4% | 67.9%-20.6pp | 75.0%-27.7pp | 68.1%-20.7pp |
| Annual return | 12.28% | 30.86%-18.6pp | 180.65%-168.4pp | 41.64%-29.4pp |
| Employer contribution / active EE | $837 | $3,048-72.5% | $3,689-77.3% | $2,551-67.2% |
| Participant deferral / active EE | $2,793 | $4,036-30.8% | $5,072-44.9% | $4,139-32.5% |
| Admin fee / account holder | $16,418 | $7,146+129.8% | $8,859+85.3% | $7,234+126.9% |