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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 | $110,137+65.6% | $161,149+13.2% | $82,637+120.7% |
| Participation rate | 42.5% | 72.4%-29.9pp | 78.8%-36.3pp | 68.1%-25.6pp |
| Annual return | 10.63% | 20.69%-10.1pp | 21.16%-10.5pp | 53.51%-42.9pp |
| Employer contribution / active EE | $1,161 | $2,856-59.3% | $4,360-73.4% | $2,552-54.5% |
| Participant deferral / active EE | $2,541 | $4,575-44.5% | $6,153-58.7% | $4,126-38.4% |
| Admin fee / account holder | $4,357 | $9,467-54.0% | $15,194-71.3% | $7,339-40.6% |