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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 | $165,773 | $73,787+124.7% | $98,716+67.9% | $82,448+101.1% |
| Participation rate | 44.2% | 61.4%-17.2pp | 69.3%-25.1pp | 68.1%-23.9pp |
| Annual return | 11.50% | 18.57%-7.1pp | 31.81%-20.3pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,013 | $1,511-33.0% | $2,279-55.6% | $2,551-60.3% |
| Participant deferral / active EE | $2,925 | $3,081-5.1% | $4,048-27.7% | $4,139-29.3% |
| Admin fee / account holder | $2,484 | $6,500-61.8% | $8,703-71.5% | $7,234-65.7% |