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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 | $89,354 | $65,041+37.4% | $90,965-1.8% | $79,858+11.9% |
| Participation rate | 42.4% | 61.6%-19.2pp | 69.0%-26.6pp | 69.6%-27.2pp |
| Annual return | 4.78% | 30.45%-25.7pp | 134.57%-129.8pp | 31.72%-26.9pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,075 | $2,512-17.4% | $3,373-38.5% | $3,740-44.5% |
| Admin fee / account holder | $1,317 | $4,536-71.0% | $5,960-77.9% | $5,306-75.2% |