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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 | $238,770 | $86,938+174.6% | $102,423+133.1% | $80,925+195.1% |
| Participation rate | 25.7% | 72.4%-46.7pp | 76.5%-50.8pp | 67.7%-41.9pp |
| Annual return | 7.19% | 18.89%-11.7pp | 29.42%-22.2pp | 35.65%-28.5pp |
| Employer contribution / active EE | $1,545 | $2,369-34.8% | $3,023-48.9% | $2,756-43.9% |
| Participant deferral / active EE | $2,998 | $4,120-27.2% | $5,054-40.7% | $4,299-30.2% |
| Admin fee / account holder | $72,295 | $8,053+797.8% | $9,455+664.7% | $6,940+941.7% |