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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 | $70,727 | $78,682-10.1% | $109,188-35.2% | $85,851-17.6% |
| Participation rate | 69.7% | 68.3%+1.4pp | 75.9%-6.2pp | 69.3%+0.4pp |
| Annual return | 9.59% | 25.09%-15.5pp | 25.76%-16.2pp | 318.63%-309.0pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,720 | $3,468-21.6% | $4,654-41.5% | $3,952-31.2% |
| Admin fee / account holder | $899 | $5,470-83.6% | $6,755-86.7% | $6,261-85.6% |