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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 | $158,263 | $57,119+177.1% | $85,187+85.8% | $80,935+95.5% |
| Participation rate | 39.5% | 56.4%-16.9pp | 67.5%-28.0pp | 67.7%-28.2pp |
| Annual return | 9.66% | 21.70%-12.0pp | 66.67%-57.0pp | 35.66%-26.0pp |
| Employer contribution / active EE | $1,078 | $1,802-40.2% | $2,732-60.5% | $2,757-60.9% |
| Participant deferral / active EE | $2,407 | $3,115-22.7% | $4,525-46.8% | $4,299-44.0% |
| Admin fee / account holder | $5,372 | $4,990+7.7% | $6,162-12.8% | $6,924-22.4% |