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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 | $76,834+115.8% | $108,359+53.0% | $87,485+89.5% |
| Participation rate | 44.2% | 61.7%-17.5pp | 70.1%-25.9pp | 68.9%-24.7pp |
| Annual return | 11.50% | 19.09%-7.6pp | 36.89%-25.4pp | 26.06%-14.6pp |
| Employer contribution / active EE | $1,013 | $1,556-34.9% | $2,399-57.8% | $2,596-61.0% |
| Participant deferral / active EE | $2,925 | $3,100-5.6% | $4,137-29.3% | $4,274-31.5% |
| Admin fee / account holder | $2,484 | $6,537-62.0% | $9,741-74.5% | $7,775-68.0% |