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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 | $145,752 | $56,894+156.2% | $84,753+72.0% | $62,881+131.8% |
| Participation rate | 44.9% | 68.5%-23.6pp | 76.6%-31.7pp | 69.3%-24.4pp |
| Annual return | 3.80% | 6.30%-2.5pp | 22.78%-19.0pp | 20.14%-16.3pp |
| Employer contribution / active EE | $1,266 | $2,400-47.3% | $3,574-64.6% | $2,281-44.5% |
| Participant deferral / active EE | $2,943 | $2,709+8.6% | $3,712-20.7% | $3,203-8.1% |
| Admin fee / account holder | $1,635 | $3,581-54.3% | $5,333-69.3% | $4,296-61.9% |