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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 | $188,033 | $86,940+116.3% | $102,434+83.6% | $80,935+132.3% |
| Participation rate | 41.5% | 72.4%-30.8pp | 76.5%-35.0pp | 67.7%-26.1pp |
| Annual return | 9.61% | 18.89%-9.3pp | 29.46%-19.8pp | 35.66%-26.0pp |
| Employer contribution / active EE | $2,097 | $2,370-11.5% | $3,023-30.6% | $2,757-23.9% |
| Participant deferral / active EE | $3,418 | $4,121-17.1% | $5,055-32.4% | $4,299-20.5% |
| Admin fee / account holder | $12,364 | $8,047+53.6% | $9,462+30.7% | $6,924+78.6% |