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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 | $168,660 | $101,798+65.7% | $165,071+2.2% | $80,935+108.4% |
| Participation rate | 38.3% | 71.8%-33.5pp | 78.6%-40.3pp | 67.7%-29.4pp |
| Annual return | 10.04% | 16.73%-6.7pp | 70.17%-60.1pp | 35.66%-25.6pp |
| Employer contribution / active EE | $1,340 | $2,954-54.6% | $4,347-69.2% | $2,757-51.4% |
| Participant deferral / active EE | $3,186 | $4,476-28.8% | $6,035-47.2% | $4,299-25.9% |
| Admin fee / account holder | $2,142 | $8,221-73.9% | $12,695-83.1% | $6,924-69.1% |