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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 | $205,439 | $92,041+123.2% | $299,830-31.5% | $94,015+118.5% |
| Participation rate | 41.4% | 71.4%-30.1pp | 78.5%-37.1pp | 70.8%-29.4pp |
| Annual return | 10.31% | 15.24%-4.9pp | 10.58%-0.3pp | 17.84%-7.5pp |
| Employer contribution / active EE | $1,346 | $2,506-46.3% | $5,842-77.0% | $2,790-51.7% |
| Participant deferral / active EE | $2,693 | $4,287-37.2% | $7,038-61.7% | $4,249-36.6% |
| Admin fee / account holder | $21,787 | $8,997+142.2% | $50,982-57.3% | $8,951+143.4% |