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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 | $233,876 | $161,352+44.9% | $134,172+74.3% | $137,256+70.4% |
| Participation rate | 41.2% | 78.3%-37.1pp | 72.5%-31.3pp | 80.0%-38.8pp |
| Annual return | 8.53% | 28.72%-20.2pp | 25.30%-16.8pp | 220.34%-211.8pp |
| Employer contribution / active EE | $2,049 | $4,099-50.0% | $3,420-40.1% | $4,156-50.7% |
| Participant deferral / active EE | $3,158 | $5,552-43.1% | $4,690-32.7% | $6,407-50.7% |
| Admin fee / account holder | $12,715 | $15,028-15.4% | $12,016+5.8% | $12,270+3.6% |