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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 | $215,532 | $95,404+125.9% | $113,397+90.1% | $82,637+160.8% |
| Participation rate | 31.3% | 72.8%-41.6pp | 76.5%-45.2pp | 68.1%-36.8pp |
| Annual return | 6.37% | 19.08%-12.7pp | 23.20%-16.8pp | 53.51%-47.1pp |
| Employer contribution / active EE | $1,354 | $2,307-41.3% | $2,977-54.5% | $2,552-47.0% |
| Participant deferral / active EE | $4,264 | $4,220+1.0% | $5,076-16.0% | $4,126+3.3% |
| Admin fee / account holder | $1,142 | $9,168-87.5% | $11,957-90.5% | $7,339-84.4% |