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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 | $225,766 | $99,875+126.0% | $146,866+53.7% | $86,983+159.6% |
| Participation rate | 28.0% | 75.8%-47.8pp | 82.5%-54.5pp | 69.5%-41.5pp |
| Annual return | 13.50% | 28.10%-14.6pp | 102.85%-89.4pp | 25.83%-12.3pp |
| Employer contribution / active EE | $918 | $3,224-71.5% | $4,425-79.3% | $2,584-64.5% |
| Participant deferral / active EE | $2,712 | $6,322-57.1% | $7,759-65.1% | $4,194-35.3% |
| Admin fee / account holder | $20,818 | $7,838+165.6% | $13,620+52.8% | $7,856+165.0% |