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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 | $193,723 | $81,504+137.7% | $102,437+89.1% | $80,959+139.3% |
| Participation rate | 39.0% | 66.9%-27.8pp | 74.5%-35.5pp | 67.7%-28.6pp |
| Annual return | 7.32% | 25.60%-18.3pp | 24.95%-17.6pp | 35.67%-28.3pp |
| Employer contribution / active EE | $1,060 | $3,104-65.9% | $3,871-72.6% | $2,757-61.6% |
| Participant deferral / active EE | $2,945 | $3,871-23.9% | $5,060-41.8% | $4,300-31.5% |
| Admin fee / account holder | $3,148 | $6,719-53.1% | $8,388-62.5% | $6,925-54.5% |