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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 | $100,890 | $138,366-27.1% | $184,185-45.2% | $80,911+24.7% |
| Participation rate | 46.3% | 83.9%-37.6pp | 86.8%-40.6pp | 67.6%-21.4pp |
| Annual return | 10.34% | 20.02%-9.7pp | 28.81%-18.5pp | 35.63%-25.3pp |
| Employer contribution / active EE | $0 | $4,849-100.0% | $6,426-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,582 | $7,074-35.2% | $9,132-49.8% | $4,297+6.6% |
| Admin fee / account holder | $2,254 | $10,484-78.5% | $13,909-83.8% | $6,935-67.5% |