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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 | $239,318 | $63,354+277.7% | $94,105+154.3% | $82,637+189.6% |
| Participation rate | 43.3% | 63.8%-20.5pp | 71.9%-28.6pp | 68.1%-24.7pp |
| Annual return | 10.72% | 34.36%-23.6pp | 204.55%-193.8pp | 53.51%-42.8pp |
| Employer contribution / active EE | $898 | $1,760-49.0% | $2,504-64.1% | $2,552-64.8% |
| Participant deferral / active EE | $2,904 | $2,873+1.1% | $3,881-25.2% | $4,126-29.6% |
| Admin fee / account holder | $1,870 | $5,073-63.1% | $6,199-69.8% | $7,339-74.5% |