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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 | $186,719 | $126,661+47.4% | $113,397+64.7% | $138,895+34.4% |
| Participation rate | 29.4% | 79.4%-50.0pp | 76.5%-47.1pp | 79.9%-50.5pp |
| Annual return | 3.38% | 25.05%-21.7pp | 23.20%-19.8pp | 145.39%-142.0pp |
| Employer contribution / active EE | $1,809 | $3,456-47.6% | $2,977-39.2% | $4,194-56.9% |
| Participant deferral / active EE | $4,627 | $5,693-18.7% | $5,076-8.9% | $6,396-27.7% |
| Admin fee / account holder | $66,000 | $14,549+353.6% | $11,957+452.0% | $12,562+425.4% |