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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 | $179,920 | $95,453+88.5% | $112,040+60.6% | $82,448+118.2% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.5%-36.5pp | 68.1%-28.1pp |
| Annual return | 12.09% | 23.92%-11.8pp | 24.52%-12.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $867 | $2,318-62.6% | $2,954-70.7% | $2,551-66.0% |
| Participant deferral / active EE | $2,993 | $4,224-29.1% | $5,098-41.3% | $4,139-27.7% |
| Admin fee / account holder | $23,412 | $9,013+159.8% | $12,098+93.5% | $7,234+223.6% |