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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 | $162,967+43.5% | $135,792+72.2% | $138,895+68.4% |
| Participation rate | 41.2% | 78.3%-37.2pp | 72.6%-31.4pp | 79.9%-38.7pp |
| Annual return | 8.53% | 30.08%-21.6pp | 25.96%-17.4pp | 145.39%-136.9pp |
| Employer contribution / active EE | $2,049 | $4,211-51.4% | $3,496-41.4% | $4,194-51.2% |
| Participant deferral / active EE | $3,158 | $5,640-44.0% | $4,759-33.6% | $6,396-50.6% |
| Admin fee / account holder | $12,715 | $15,306-16.9% | $12,266+3.7% | $12,562+1.2% |