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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 | $136,328 | $32,037+325.5% | $69,182+97.1% | $62,881+116.8% |
| Participation rate | 55.2% | 43.4%+11.8pp | 55.1%+0.1pp | 69.3%-14.1pp |
| Annual return | 4.07% | 15.16%-11.1pp | -21.93%+26.0pp | 20.14%-16.1pp |
| Employer contribution / active EE | $651 | $679-4.1% | $1,206-46.0% | $2,281-71.4% |
| Participant deferral / active EE | $2,405 | $1,185+102.8% | $1,897+26.8% | $3,203-24.9% |
| Admin fee / account holder | $7,156 | $2,608+174.4% | $2,697+165.4% | $4,296+66.6% |