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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 | $75,807+215.7% | $116,096+106.1% | $86,983+175.1% |
| Participation rate | 43.3% | 66.9%-23.5pp | 73.3%-30.0pp | 69.5%-26.2pp |
| Annual return | 10.72% | 18.57%-7.8pp | 326.25%-315.5pp | 25.83%-15.1pp |
| Employer contribution / active EE | $898 | $1,892-52.5% | $2,503-64.1% | $2,584-65.3% |
| Participant deferral / active EE | $2,904 | $3,212-9.6% | $3,952-26.5% | $4,194-30.8% |
| Admin fee / account holder | $1,870 | $6,659-71.9% | $7,704-75.7% | $7,856-76.2% |