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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 | $198,611 | $81,504+143.7% | $102,437+93.9% | $80,959+145.3% |
| Participation rate | 48.1% | 66.9%-18.7pp | 74.5%-26.4pp | 67.7%-19.5pp |
| Annual return | 8.89% | 25.60%-16.7pp | 24.95%-16.1pp | 35.67%-26.8pp |
| Employer contribution / active EE | $1,448 | $3,104-53.4% | $3,871-62.6% | $2,757-47.5% |
| Participant deferral / active EE | $4,124 | $3,871+6.5% | $5,060-18.5% | $4,300-4.1% |
| Admin fee / account holder | $3,603 | $6,719-46.4% | $8,388-57.0% | $6,925-48.0% |