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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 | $109,135 | $81,504+33.9% | $102,437+6.5% | $80,959+34.8% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 9.23% | 25.60%-16.4pp | 24.95%-15.7pp | 35.67%-26.4pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,193 | $3,871-43.3% | $5,060-56.7% | $4,300-49.0% |
| Admin fee / account holder | $614 | $6,719-90.9% | $8,388-92.7% | $6,925-91.1% |