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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 | $171,362 | $58,627+192.3% | $76,735+123.3% | $82,448+107.8% |
| Participation rate | 46.8% | 63.2%-16.4pp | 69.5%-22.7pp | 68.1%-21.3pp |
| Annual return | 11.81% | 39.10%-27.3pp | 29.77%-18.0pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,156 | $1,729-33.2% | $2,454-52.9% | $2,551-54.7% |
| Participant deferral / active EE | $3,157 | $3,134+0.7% | $4,088-22.8% | $4,139-23.7% |
| Admin fee / account holder | $6,215 | $5,323+16.8% | $7,189-13.6% | $7,234-14.1% |