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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 | $150,525 | $124,314+21.1% | $109,163+37.9% | $167,518-10.1% |
| Participation rate | 44.4% | 79.4%-35.0pp | 75.9%-31.4pp | 82.1%-37.7pp |
| Annual return | 7.59% | 26.04%-18.4pp | 25.75%-18.2pp | 478.71%-471.1pp |
| Employer contribution / active EE | $1,154 | $4,209-72.6% | $3,723-69.0% | $4,838-76.2% |
| Participant deferral / active EE | $3,688 | $5,256-29.8% | $4,654-20.8% | $6,342-41.9% |
| Admin fee / account holder | $9,162 | $7,973+14.9% | $6,754+35.7% | $12,312-25.6% |