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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 | $218,471 | $89,532+144.0% | $103,447+111.2% | $80,925+170.0% |
| Participation rate | 41.5% | 76.0%-34.6pp | 80.5%-39.1pp | 67.7%-26.2pp |
| Annual return | 10.93% | 22.80%-11.9pp | 23.92%-13.0pp | 35.65%-24.7pp |
| Employer contribution / active EE | $2,354 | $4,023-41.5% | $4,678-49.7% | $2,756-14.6% |
| Participant deferral / active EE | $3,685 | $5,459-32.5% | $6,624-44.4% | $4,299-14.3% |
| Admin fee / account holder | $935 | $6,774-86.2% | $9,415-90.1% | $6,940-86.5% |