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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 | $96,565 | $63,314+52.5% | $91,004+6.1% | $62,293+55.0% |
| Participation rate | 28.1% | 73.3%-45.2pp | 75.6%-47.5pp | 69.5%-41.4pp |
| Annual return | 12.81% | 21.00%-8.2pp | 4.60%+8.2pp | 28.90%-16.1pp |
| Employer contribution / active EE | $0 | $1,807-100.0% | $2,456-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,723 | $2,944-41.5% | $3,548-51.4% | $3,169-45.6% |
| Admin fee / account holder | $1,194 | $468+155.3% | $5,417-78.0% | $479+149.0% |