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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 | $159,259 | $101,752+56.5% | $164,928-3.4% | $80,911+96.8% |
| Participation rate | 47.5% | 71.8%-24.3pp | 78.6%-31.1pp | 67.6%-20.1pp |
| Annual return | 8.91% | 16.73%-7.8pp | 70.08%-61.2pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,251 | $2,953-57.6% | $4,343-71.2% | $2,756-54.6% |
| Participant deferral / active EE | $2,389 | $4,477-46.6% | $6,034-60.4% | $4,297-44.4% |
| Admin fee / account holder | $11,485 | $8,218+39.8% | $12,684-9.5% | $6,935+65.6% |