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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 | $181,687 | $106,524+70.6% | $152,301+19.3% | $87,485+107.7% |
| Participation rate | 56.7% | 75.8%-19.1pp | 82.4%-25.8pp | 68.9%-12.3pp |
| Annual return | 13.95% | 26.89%-12.9pp | 80.50%-66.6pp | 26.06%-12.1pp |
| Employer contribution / active EE | $915 | $3,371-72.9% | $4,624-80.2% | $2,596-64.8% |
| Participant deferral / active EE | $4,210 | $6,525-35.5% | $8,004-47.4% | $4,274-1.5% |
| Admin fee / account holder | $23,777 | $8,287+186.9% | $14,398+65.1% | $7,775+205.8% |