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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 | $80,905 | $51,222+58.0% | $70,544+14.7% | $75,173+7.6% |
| Participation rate | 39.6% | 61.0%-21.4pp | 68.4%-28.8pp | 67.2%-27.6pp |
| Annual return | 12.90% | 30.06%-17.2pp | 32.79%-19.9pp | 160.72%-147.8pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,316 | $2,850+121.6% | $4,568+38.3% | $4,126+53.1% |
| Admin fee / account holder | $3,981 | $4,096-2.8% | $6,427-38.1% | $5,651-29.5% |