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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 | $174,268 | $81,457+113.9% | $103,378+68.6% | $80,911+115.4% |
| Participation rate | 26.9% | 66.8%-39.9pp | 74.5%-47.6pp | 67.6%-40.7pp |
| Annual return | 7.68% | 25.58%-17.9pp | 24.91%-17.2pp | 35.63%-28.0pp |
| Employer contribution / active EE | $2,016 | $3,107-35.1% | $3,870-47.9% | $2,756-26.9% |
| Participant deferral / active EE | $5,260 | $3,871+35.9% | $5,058+4.0% | $4,297+22.4% |
| Admin fee / account holder | $2,443 | $6,717-63.6% | $8,401-70.9% | $6,935-64.8% |