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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 | $81,770 | $81,331+0.5% | $155,534-47.4% | $80,935+1.0% |
| Participation rate | 39.6% | 66.3%-26.7pp | 78.2%-38.6pp | 67.7%-28.1pp |
| Annual return | 10.49% | 33.37%-22.9pp | 64.92%-54.4pp | 35.66%-25.2pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,346 | $3,454+25.8% | $5,630-22.8% | $4,299+1.1% |
| Admin fee / account holder | $7,566 | $7,999-5.4% | $15,900-52.4% | $6,924+9.3% |