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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 | $192,850 | $73,787+161.4% | $98,716+95.4% | $82,448+133.9% |
| Participation rate | 48.4% | 61.4%-13.0pp | 69.3%-20.9pp | 68.1%-19.7pp |
| Annual return | 8.89% | 18.57%-9.7pp | 31.81%-22.9pp | 41.64%-32.7pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,762 | $3,081-10.4% | $4,048-31.8% | $4,139-33.3% |
| Admin fee / account holder | $63,630 | $6,500+878.9% | $8,703+631.1% | $7,234+779.6% |