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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 | $163,571 | $78,423+108.6% | $95,964+70.5% | $79,856+104.8% |
| Participation rate | 33.3% | 73.5%-40.2pp | 77.1%-43.8pp | 69.6%-36.3pp |
| Annual return | 7.69% | 19.37%-11.7pp | 91.64%-84.0pp | 31.71%-24.0pp |
| Employer contribution / active EE | $1,223 | $1,945-37.2% | $2,541-51.9% | $2,471-50.5% |
| Participant deferral / active EE | $1,853 | $3,440-46.1% | $4,167-55.5% | $3,741-50.5% |
| Admin fee / account holder | $4,740 | $5,622-15.7% | $6,797-30.3% | $5,306-10.7% |