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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 | $182,393 | $108,825+67.6% | $156,181+16.8% | $82,448+121.2% |
| Participation rate | 42.5% | 72.4%-29.9pp | 78.8%-36.3pp | 68.1%-25.6pp |
| Annual return | 10.63% | 20.59%-10.0pp | 64.87%-54.2pp | 41.64%-31.0pp |
| Employer contribution / active EE | $1,161 | $2,870-59.5% | $4,294-73.0% | $2,551-54.5% |
| Participant deferral / active EE | $2,541 | $4,577-44.5% | $6,132-58.6% | $4,139-38.6% |
| Admin fee / account holder | $4,357 | $9,341-53.4% | $14,586-70.1% | $7,234-39.8% |