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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 | $82,482 | $83,485-1.2% | $125,195-34.1% | $72,976+13.0% |
| Participation rate | 56.3% | 73.3%-17.1pp | 79.8%-23.5pp | 69.5%-13.2pp |
| Annual return | 5.74% | 25.77%-20.0pp | 43.79%-38.1pp | 81.02%-75.3pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,036 | $3,586-15.3% | $4,937-38.5% | $3,608-15.8% |
| Admin fee / account holder | $6,867 | $5,518+24.4% | $9,704-29.2% | $5,124+34.0% |