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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 | $128,736 | $62,672+105.4% | $185,117-30.5% | $70,126+83.6% |
| Participation rate | 22.1% | 63.8%-41.7pp | 77.3%-55.2pp | 69.5%-47.5pp |
| Annual return | 10.02% | 40.79%-30.8pp | 40.50%-30.5pp | 73.15%-63.1pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,478 | $3,272-54.8% | $5,045-70.7% | $3,332-55.6% |
| Admin fee / account holder | $1,767 | $3,932-55.1% | $8,159-78.3% | $4,645-62.0% |