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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 | $139,269 | $95,453+45.9% | $112,040+24.3% | $82,448+68.9% |
| Participation rate | 39.7% | 72.8%-33.1pp | 76.5%-36.8pp | 68.1%-28.4pp |
| Annual return | 11.31% | 23.92%-12.6pp | 24.52%-13.2pp | 41.64%-30.3pp |
| Employer contribution / active EE | $1,884 | $2,318-18.7% | $2,954-36.2% | $2,551-26.2% |
| Participant deferral / active EE | $3,295 | $4,224-22.0% | $5,098-35.4% | $4,139-20.4% |
| Admin fee / account holder | $47,909 | $9,013+431.5% | $12,098+296.0% | $7,234+562.2% |