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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 | $130,265 | $114,712+13.6% | $173,730-25.0% | $87,485+48.9% |
| Participation rate | 62.5% | 73.0%-10.5pp | 79.6%-17.1pp | 68.9%-6.4pp |
| Annual return | 9.86% | 20.18%-10.3pp | 19.96%-10.1pp | 26.06%-16.2pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,226 | $4,642-30.5% | $6,326-49.0% | $4,274-24.5% |
| Admin fee / account holder | $845 | $10,210-91.7% | $17,523-95.2% | $7,775-89.1% |