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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 | $152,439 | $90,400+68.6% | $186,193-18.1% | $87,485+74.2% |
| Participation rate | 48.3% | 66.2%-17.9pp | 77.1%-28.8pp | 68.9%-20.7pp |
| Annual return | 12.45% | 22.15%-9.7pp | 78.03%-65.6pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,002 | $2,170-53.8% | $3,918-74.4% | $2,596-61.4% |
| Participant deferral / active EE | $2,158 | $4,330-50.2% | $6,513-66.9% | $4,274-49.5% |
| Admin fee / account holder | $20,872 | $8,673+140.7% | $11,058+88.8% | $7,775+168.5% |