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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 | $158,453 | $81,476+94.5% | $102,383+54.8% | $80,925+95.8% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 10.30% | 25.59%-15.3pp | 24.94%-14.6pp | 35.65%-25.3pp |
| Employer contribution / active EE | $1,697 | $3,105-45.3% | $3,870-56.1% | $2,756-38.4% |
| Participant deferral / active EE | $6,273 | $3,871+62.1% | $5,060+24.0% | $4,299+45.9% |
| Admin fee / account holder | $3,401 | $6,717-49.4% | $8,391-59.5% | $6,940-51.0% |