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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 | $158,060 | $88,672+78.3% | $105,223+50.2% | $82,448+91.7% |
| Participation rate | 28.9% | 67.9%-39.0pp | 75.0%-46.2pp | 68.1%-39.2pp |
| Annual return | 11.68% | 30.86%-19.2pp | 180.65%-169.0pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,274 | $3,048-58.2% | $3,689-65.4% | $2,551-50.0% |
| Participant deferral / active EE | $1,727 | $4,036-57.2% | $5,072-65.9% | $4,139-58.3% |
| Admin fee / account holder | $2,215 | $7,146-69.0% | $8,859-75.0% | $7,234-69.4% |