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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 | $168,432 | $81,504+106.7% | $102,437+64.4% | $80,959+108.0% |
| Participation rate | 43.1% | 66.9%-23.8pp | 74.5%-31.4pp | 67.7%-24.6pp |
| Annual return | 9.54% | 25.60%-16.1pp | 24.95%-15.4pp | 35.67%-26.1pp |
| Employer contribution / active EE | $1,625 | $3,104-47.6% | $3,871-58.0% | $2,757-41.1% |
| Participant deferral / active EE | $2,968 | $3,871-23.3% | $5,060-41.3% | $4,300-31.0% |
| Admin fee / account holder | $21,747 | $6,719+223.6% | $8,388+159.3% | $6,925+214.0% |