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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 | $108,635 | $77,920+39.4% | $149,723-27.4% | $75,177+44.5% |
| Participation rate | 56.0% | 65.6%-9.6pp | 78.8%-22.8pp | 67.2%-11.2pp |
| Annual return | 5.02% | 31.72%-26.7pp | 134.50%-129.5pp | 160.75%-155.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,040 | $3,411+18.4% | $5,682-28.9% | $4,126-2.1% |
| Admin fee / account holder | $4,354 | $5,951-26.8% | $13,215-67.1% | $5,651-23.0% |