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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 | $123,430 | $107,421+14.9% | $182,262-32.3% | $94,015+31.3% |
| Participation rate | 52.0% | 77.8%-25.8pp | 84.2%-32.2pp | 70.8%-18.8pp |
| Annual return | 12.81% | 21.32%-8.5pp | 140.60%-127.8pp | 17.84%-5.0pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $5,194 | $6,558-20.8% | $8,276-37.2% | $4,249+22.2% |
| Admin fee / account holder | $2,127 | $8,692-75.5% | $16,712-87.3% | $8,951-76.2% |