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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 | $130,808 | $72,492+80.4% | $87,102+50.2% | $72,983+79.2% |
| Participation rate | 43.8% | 72.8%-29.1pp | 76.9%-33.1pp | 69.5%-25.7pp |
| Annual return | 7.11% | 24.46%-17.4pp | 28.19%-21.1pp | 81.01%-73.9pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,715 | $3,270-17.0% | $4,048-32.9% | $3,608-24.8% |
| Admin fee / account holder | $793 | $5,055-84.3% | $7,491-89.4% | $5,124-84.5% |