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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 | $139,749 | $57,590+142.7% | $86,233+62.1% | $82,448+69.5% |
| Participation rate | 55.4% | 57.9%-2.5pp | 69.0%-13.7pp | 68.1%-12.7pp |
| Annual return | 13.00% | 22.41%-9.4pp | 61.39%-48.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,670 | $3,080+19.1% | $4,559-19.5% | $4,139-11.3% |
| Admin fee / account holder | $2,419 | $4,730-48.9% | $8,342-71.0% | $7,234-66.6% |