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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 | $147,634 | $91,559+61.2% | $133,971+10.2% | $79,852+84.9% |
| Participation rate | 27.0% | 73.3%-46.3pp | 79.8%-52.8pp | 69.6%-42.6pp |
| Annual return | 10.08% | 61.85%-51.8pp | 45.09%-35.0pp | 31.72%-21.6pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,524 | $3,734+21.2% | $5,047-10.4% | $3,740+21.0% |
| Admin fee / account holder | $12,744 | $6,321+101.6% | $8,929+42.7% | $5,306+140.2% |