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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 | $148,128 | $94,031+57.5% | $115,768+28.0% | $82,448+79.7% |
| Participation rate | 45.5% | 70.4%-25.0pp | 74.4%-28.9pp | 68.1%-22.6pp |
| Annual return | 5.85% | 20.61%-14.8pp | 100.46%-94.6pp | 41.64%-35.8pp |
| Employer contribution / active EE | $1,223 | $2,323-47.4% | $2,940-58.4% | $2,551-52.1% |
| Participant deferral / active EE | $1,943 | $3,972-51.1% | $4,917-60.5% | $4,139-53.1% |
| Admin fee / account holder | $2,068 | $10,249-79.8% | $12,439-83.4% | $7,234-71.4% |