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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 | $243,814 | $86,949+180.4% | $102,460+138.0% | $80,959+201.2% |
| Participation rate | 51.9% | 72.4%-20.5pp | 76.5%-24.7pp | 67.7%-15.8pp |
| Annual return | 5.83% | 18.89%-13.1pp | 29.47%-23.6pp | 35.67%-29.8pp |
| Employer contribution / active EE | $1,618 | $2,370-31.7% | $3,025-46.5% | $2,757-41.3% |
| Participant deferral / active EE | $3,038 | $4,121-26.3% | $5,056-39.9% | $4,300-29.4% |
| Admin fee / account holder | $11,686 | $8,048+45.2% | $9,460+23.5% | $6,925+68.7% |