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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 | $158,845 | $86,940+82.7% | $102,434+55.1% | $80,935+96.3% |
| Participation rate | 46.2% | 72.4%-26.2pp | 76.5%-30.4pp | 67.7%-21.5pp |
| Annual return | 9.04% | 18.89%-9.8pp | 29.46%-20.4pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,344 | $2,370-43.3% | $3,023-55.6% | $2,757-51.3% |
| Participant deferral / active EE | $1,867 | $4,121-54.7% | $5,055-63.1% | $4,299-56.6% |
| Admin fee / account holder | $2,121 | $8,047-73.6% | $9,462-77.6% | $6,924-69.4% |