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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 | $166,009 | $72,027+130.5% | $185,861-10.7% | $79,856+107.9% |
| Participation rate | 50.0% | 65.8%-15.8pp | 78.0%-28.0pp | 69.6%-19.6pp |
| Annual return | 6.31% | 23.13%-16.8pp | 35.96%-29.6pp | 31.71%-25.4pp |
| Employer contribution / active EE | $1,371 | $1,965-30.3% | $4,088-66.5% | $2,471-44.5% |
| Participant deferral / active EE | $2,187 | $3,780-42.1% | $5,634-61.2% | $3,741-41.5% |
| Admin fee / account holder | $2,802 | $4,513-37.9% | $9,503-70.5% | $5,306-47.2% |