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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 | $232,407 | $86,949+167.3% | $102,460+126.8% | $80,959+187.1% |
| Participation rate | 35.0% | 72.4%-37.4pp | 76.5%-41.5pp | 67.7%-32.7pp |
| Annual return | 9.96% | 18.89%-8.9pp | 29.47%-19.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $1,412 | $2,370-40.4% | $3,025-53.3% | $2,757-48.8% |
| Participant deferral / active EE | $2,087 | $4,121-49.4% | $5,056-58.7% | $4,300-51.5% |
| Admin fee / account holder | $17,919 | $8,048+122.7% | $9,460+89.4% | $6,925+158.7% |