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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 | $246,148 | $88,672+177.6% | $105,223+133.9% | $82,448+198.5% |
| Participation rate | 38.1% | 67.9%-29.8pp | 75.0%-36.9pp | 68.1%-30.0pp |
| Annual return | 12.71% | 30.86%-18.1pp | 180.65%-167.9pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,820 | $3,048-40.3% | $3,689-50.7% | $2,551-28.7% |
| Participant deferral / active EE | $2,960 | $4,036-26.7% | $5,072-41.6% | $4,139-28.5% |
| Admin fee / account holder | $4,269 | $7,146-40.3% | $8,859-51.8% | $7,234-41.0% |