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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 | $123,478-1.7% | $216,567-44.0% | $94,015+29.0% |
| Participation rate | 69.8% | 75.1%-5.3pp | 81.6%-11.8pp | 70.8%-1.0pp |
| Annual return | 8.09% | 23.61%-15.5pp | 12.94%-4.9pp | 17.84%-9.8pp |
| Employer contribution / active EE | $0 | $3,136-100.0% | $5,216-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $5,068 | $4,556+11.2% | $6,191-18.1% | $4,249+19.3% |
| Admin fee / account holder | $9,133 | $12,753-28.4% | $21,981-58.5% | $8,951+2.0% |