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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 | $161,420 | $101,778+58.6% | $164,975-2.2% | $80,925+99.5% |
| Participation rate | 40.0% | 71.8%-31.8pp | 78.6%-38.6pp | 67.7%-27.7pp |
| Annual return | 5.60% | 16.73%-11.1pp | 70.12%-64.5pp | 35.65%-30.1pp |
| Employer contribution / active EE | $1,290 | $2,954-56.3% | $4,343-70.3% | $2,756-53.2% |
| Participant deferral / active EE | $2,779 | $4,477-37.9% | $6,033-53.9% | $4,299-35.4% |
| Admin fee / account holder | $3,804 | $8,221-53.7% | $12,688-70.0% | $6,940-45.2% |