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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 | $180,413 | $76,407+136.1% | $150,298+20.0% | $82,448+118.8% |
| Participation rate | 50.0% | 66.4%-16.4pp | 77.8%-27.8pp | 68.1%-18.1pp |
| Annual return | 12.86% | 39.99%-27.1pp | 62.79%-49.9pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,517 | $2,614-42.0% | $4,154-63.5% | $2,551-40.5% |
| Participant deferral / active EE | $4,237 | $3,214+31.8% | $5,453-22.3% | $4,139+2.4% |
| Admin fee / account holder | $5,866 | $6,352-7.7% | $14,116-58.4% | $7,234-18.9% |