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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 | $120,230 | $73,787+62.9% | $98,716+21.8% | $82,448+45.8% |
| Participation rate | 40.7% | 61.4%-20.7pp | 69.3%-28.6pp | 68.1%-27.3pp |
| Annual return | 12.31% | 18.57%-6.3pp | 31.81%-19.5pp | 41.64%-29.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,787 | $3,081+22.9% | $4,048-6.4% | $4,139-8.5% |
| Admin fee / account holder | $1,065 | $6,500-83.6% | $8,703-87.8% | $7,234-85.3% |