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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 | $240,116 | $73,787+225.4% | $98,716+143.2% | $82,448+191.2% |
| Participation rate | 48.1% | 61.4%-13.3pp | 69.3%-21.1pp | 68.1%-19.9pp |
| Annual return | 10.44% | 18.57%-8.1pp | 31.81%-21.4pp | 41.64%-31.2pp |
| Employer contribution / active EE | $986 | $1,511-34.8% | $2,279-56.7% | $2,551-61.4% |
| Participant deferral / active EE | $1,512 | $3,081-50.9% | $4,048-62.7% | $4,139-63.5% |
| Admin fee / account holder | $2,165 | $6,500-66.7% | $8,703-75.1% | $7,234-70.1% |