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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 | $142,141 | $106,524+33.4% | $152,301-6.7% | $87,485+62.5% |
| Participation rate | 46.7% | 75.8%-29.1pp | 82.4%-35.8pp | 68.9%-22.3pp |
| Annual return | 13.04% | 26.89%-13.9pp | 80.50%-67.5pp | 26.06%-13.0pp |
| Employer contribution / active EE | $2,044 | $3,371-39.4% | $4,624-55.8% | $2,596-21.3% |
| Participant deferral / active EE | $3,103 | $6,525-52.4% | $8,004-61.2% | $4,274-27.4% |
| Admin fee / account holder | $1,335 | $8,287-83.9% | $14,398-90.7% | $7,775-82.8% |