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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 | $115,931+57.3% | $185,441-1.6% | $86,983+109.7% |
| Participation rate | 42.5% | 73.6%-31.1pp | 80.3%-37.8pp | 69.5%-27.0pp |
| Annual return | 10.63% | 21.47%-10.8pp | 20.16%-9.5pp | 25.83%-15.2pp |
| Employer contribution / active EE | $1,161 | $2,937-60.5% | $4,672-75.1% | $2,584-55.1% |
| Participant deferral / active EE | $2,541 | $4,551-44.2% | $6,152-58.7% | $4,194-39.4% |
| Admin fee / account holder | $4,357 | $10,687-59.2% | $17,890-75.6% | $7,856-44.5% |