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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 | $238,463 | $58,627+306.7% | $76,735+210.8% | $82,448+189.2% |
| Participation rate | 14.3% | 63.2%-48.9pp | 69.5%-55.2pp | 68.1%-53.8pp |
| Annual return | 12.17% | 39.10%-26.9pp | 29.77%-17.6pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,879 | $1,729+8.7% | $2,454-23.4% | $2,551-26.3% |
| Participant deferral / active EE | $2,340 | $3,134-25.3% | $4,088-42.8% | $4,139-43.5% |
| Admin fee / account holder | $9,826 | $5,323+84.6% | $7,189+36.7% | $7,234+35.8% |