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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 | $149,215 | $99,345+50.2% | $84,753+76.1% | $273,972-45.5% |
| Participation rate | 40.0% | 80.7%-40.7pp | 76.6%-36.6pp | 83.0%-43.0pp |
| Annual return | 0.64% | 22.93%-22.3pp | 22.78%-22.1pp | 41.46%-40.8pp |
| Employer contribution / active EE | $1,238 | $4,214-70.6% | $3,574-65.4% | $4,869-74.6% |
| Participant deferral / active EE | $9,474 | $4,270+121.9% | $3,712+155.2% | $5,287+79.2% |
| Admin fee / account holder | $1,338 | $6,645-79.9% | $5,333-74.9% | $10,133-86.8% |