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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 | $69,444+109.4% | $92,985+56.4% | $87,485+66.2% |
| Participation rate | 48.9% | 63.3%-14.4pp | 69.5%-20.6pp | 68.9%-20.0pp |
| Annual return | 11.98% | 23.85%-11.9pp | 27.99%-16.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $1,065 | $1,917-44.5% | $2,662-60.0% | $2,596-59.0% |
| Participant deferral / active EE | $3,720 | $3,364+10.6% | $4,377-15.0% | $4,274-13.0% |
| Admin fee / account holder | $12,895 | $6,137+110.1% | $9,463+36.3% | $7,775+65.9% |