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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 | $211,238 | $106,749+97.9% | $145,433+45.2% | $82,448+156.2% |
| Participation rate | 41.4% | 75.6%-34.3pp | 82.1%-40.7pp | 68.1%-26.7pp |
| Annual return | 13.37% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,103 | $3,444-68.0% | $4,554-75.8% | $2,551-56.8% |
| Participant deferral / active EE | $2,832 | $6,519-56.5% | $7,897-64.1% | $4,139-31.6% |
| Admin fee / account holder | $24,601 | $8,390+193.2% | $13,129+87.4% | $7,234+240.1% |