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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 | $125,256 | $76,551+63.6% | $123,894+1.1% | $62,881+99.2% |
| Participation rate | 25.0% | 73.0%-48.0pp | 81.4%-56.4pp | 69.3%-44.3pp |
| Annual return | 3.97% | 18.68%-14.7pp | 47.52%-43.5pp | 20.14%-16.2pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,087 | $4,840-36.2% | $5,984-48.4% | $3,203-3.6% |
| Admin fee / account holder | $25,596 | $4,826+430.4% | $8,357+206.3% | $4,296+495.9% |