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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 | $188,827 | $73,787+155.9% | $98,716+91.3% | $82,448+129.0% |
| Participation rate | 28.2% | 61.4%-33.2pp | 69.3%-41.1pp | 68.1%-39.9pp |
| Annual return | 7.41% | 18.57%-11.2pp | 31.81%-24.4pp | 41.64%-34.2pp |
| Employer contribution / active EE | $2,839 | $1,511+87.9% | $2,279+24.6% | $2,551+11.3% |
| Participant deferral / active EE | $2,784 | $3,081-9.7% | $4,048-31.2% | $4,139-32.7% |
| Admin fee / account holder | $2,715 | $6,500-58.2% | $8,703-68.8% | $7,234-62.5% |