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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 | $69,444+146.8% | $92,985+84.3% | $87,485+95.9% |
| Participation rate | 46.8% | 63.3%-16.5pp | 69.5%-22.7pp | 68.9%-22.1pp |
| Annual return | 11.81% | 23.85%-12.0pp | 27.99%-16.2pp | 26.06%-14.2pp |
| Employer contribution / active EE | $1,156 | $1,917-39.7% | $2,662-56.6% | $2,596-55.5% |
| Participant deferral / active EE | $3,157 | $3,364-6.2% | $4,377-27.9% | $4,274-26.1% |
| Admin fee / account holder | $6,215 | $6,137+1.3% | $9,463-34.3% | $7,775-20.1% |