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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 | $161,039 | $93,617+72.0% | $135,982+18.4% | $75,177+114.2% |
| Participation rate | 41.0% | 75.2%-34.2pp | 81.9%-40.9pp | 67.2%-26.2pp |
| Annual return | 11.78% | 30.89%-19.1pp | 68.32%-56.5pp | 160.75%-149.0pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,990 | $6,406-6.5% | $7,760-22.8% | $4,126+45.2% |
| Admin fee / account holder | $1,382 | $6,980-80.2% | $10,767-87.2% | $5,651-75.5% |