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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 | $156,734 | $52,279+199.8% | $89,435+75.2% | $79,856+96.3% |
| Participation rate | 18.5% | 57.5%-39.0pp | 68.0%-49.5pp | 69.6%-51.1pp |
| Annual return | 8.90% | 22.16%-13.3pp | 245.55%-236.7pp | 31.71%-22.8pp |
| Employer contribution / active EE | $1,540 | $1,572-2.0% | $2,587-40.5% | $2,471-37.7% |
| Participant deferral / active EE | $2,184 | $2,740-20.3% | $3,890-43.9% | $3,741-41.6% |
| Admin fee / account holder | $4,465 | $3,356+33.0% | $4,884-8.6% | $5,306-15.9% |