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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 | $162,037 | $106,864+51.6% | $147,318+10.0% | $82,637+96.1% |
| Participation rate | 42.2% | 75.5%-33.3pp | 82.1%-39.8pp | 68.1%-25.8pp |
| Annual return | 13.69% | 27.49%-13.8pp | 70.43%-56.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,258 | $3,417-63.2% | $4,593-72.6% | $2,552-50.7% |
| Participant deferral / active EE | $3,841 | $6,496-40.9% | $7,906-51.4% | $4,126-6.9% |
| Admin fee / account holder | $12,234 | $8,415+45.4% | $13,708-10.8% | $7,339+66.7% |