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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 | $145,418 | $72,471+100.7% | $94,215+54.3% | $86,983+67.2% |
| Participation rate | 48.9% | 63.9%-15.0pp | 70.0%-21.1pp | 69.5%-20.7pp |
| Annual return | 11.98% | 26.44%-14.5pp | 28.22%-16.2pp | 25.83%-13.8pp |
| Employer contribution / active EE | $1,065 | $1,936-45.0% | $2,675-60.2% | $2,584-58.8% |
| Participant deferral / active EE | $3,720 | $3,397+9.5% | $4,276-13.0% | $4,194-11.3% |
| Admin fee / account holder | $12,895 | $6,468+99.4% | $10,216+26.2% | $7,856+64.1% |