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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 | $121,325 | $108,825+11.5% | $156,181-22.3% | $82,448+47.2% |
| Participation rate | 69.8% | 72.4%-2.6pp | 78.8%-9.0pp | 68.1%+1.7pp |
| Annual return | 8.09% | 20.59%-12.5pp | 64.87%-56.8pp | 41.64%-33.5pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,068 | $4,577+10.7% | $6,132-17.3% | $4,139+22.4% |
| Admin fee / account holder | $9,133 | $9,341-2.2% | $14,586-37.4% | $7,234+26.2% |