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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 | $144,626 | $93,345+54.9% | $119,126+21.4% | $87,485+65.3% |
| Participation rate | 45.0% | 68.7%-23.7pp | 75.8%-30.8pp | 68.9%-23.9pp |
| Annual return | 9.35% | 19.08%-9.7pp | 282.11%-272.8pp | 26.06%-16.7pp |
| Employer contribution / active EE | $1,798 | $3,172-43.3% | $4,034-55.4% | $2,596-30.7% |
| Participant deferral / active EE | $3,124 | $4,099-23.8% | $5,318-41.3% | $4,274-26.9% |
| Admin fee / account holder | $47,944 | $8,039+496.4% | $10,693+348.4% | $7,775+516.7% |