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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 | $171,606 | $181,896-5.7% | $156,551+9.6% | $273,972-37.4% |
| Participation rate | 20.0% | 88.4%-68.4pp | 84.0%-64.0pp | 83.0%-63.0pp |
| Annual return | 0.93% | 30.74%-29.8pp | 32.23%-31.3pp | 41.46%-40.5pp |
| Employer contribution / active EE | $1,784 | $6,248-71.4% | $5,501-67.6% | $4,869-63.4% |
| Participant deferral / active EE | $3,122 | $5,550-43.7% | $4,871-35.9% | $5,287-41.0% |
| Admin fee / account holder | $10,154 | $15,560-34.7% | $13,028-22.1% | $10,133+0.2% |