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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 | $176,952 | $107,733+64.2% | $92,985+90.3% | $154,746+14.3% |
| Participation rate | 22.7% | 74.6%-51.8pp | 69.5%-46.8pp | 80.7%-58.0pp |
| Annual return | 6.85% | 30.39%-23.5pp | 27.99%-21.1pp | 172.34%-165.5pp |
| Employer contribution / active EE | $768 | $3,126-75.4% | $2,662-71.1% | $4,379-82.5% |
| Participant deferral / active EE | $2,265 | $5,053-55.2% | $4,377-48.2% | $6,730-66.3% |
| Admin fee / account holder | $9,197 | $11,369-19.1% | $9,463-2.8% | $14,365-36.0% |