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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 | $74,535+61.3% | $100,712+19.4% | $82,637+45.5% |
| Participation rate | 40.7% | 61.2%-20.4pp | 69.3%-28.5pp | 68.1%-27.3pp |
| Annual return | 12.31% | 18.92%-6.6pp | 33.27%-21.0pp | 53.51%-41.2pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,787 | $3,074+23.2% | $4,085-7.3% | $4,126-8.2% |
| Admin fee / account holder | $1,065 | $6,576-83.8% | $9,256-88.5% | $7,339-85.5% |