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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 | $244,469 | $106,524+129.5% | $152,301+60.5% | $87,485+179.4% |
| Participation rate | 44.4% | 75.8%-31.3pp | 82.4%-38.0pp | 68.9%-24.5pp |
| Annual return | 7.41% | 26.89%-19.5pp | 80.50%-73.1pp | 26.06%-18.7pp |
| Employer contribution / active EE | $1,162 | $3,371-65.5% | $4,624-74.9% | $2,596-55.2% |
| Participant deferral / active EE | $3,349 | $6,525-48.7% | $8,004-58.2% | $4,274-21.6% |
| Admin fee / account holder | $13,696 | $8,287+65.3% | $14,398-4.9% | $7,775+76.2% |