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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 | $76,834+145.8% | $108,359+74.3% | $87,485+115.8% |
| Participation rate | 28.2% | 61.7%-33.6pp | 70.1%-42.0pp | 68.9%-40.8pp |
| Annual return | 7.41% | 19.09%-11.7pp | 36.89%-29.5pp | 26.06%-18.7pp |
| Employer contribution / active EE | $2,839 | $1,556+82.4% | $2,399+18.3% | $2,596+9.4% |
| Participant deferral / active EE | $2,784 | $3,100-10.2% | $4,137-32.7% | $4,274-34.9% |
| Admin fee / account holder | $2,715 | $6,537-58.5% | $9,741-72.1% | $7,775-65.1% |