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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 | $114,712+5.8% | $173,730-30.2% | $87,485+38.7% |
| Participation rate | 69.8% | 73.0%-3.2pp | 79.6%-9.8pp | 68.9%+0.9pp |
| Annual return | 8.09% | 20.18%-12.1pp | 19.96%-11.9pp | 26.06%-18.0pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,068 | $4,642+9.2% | $6,326-19.9% | $4,274+18.6% |
| Admin fee / account holder | $9,133 | $10,210-10.5% | $17,523-47.9% | $7,775+17.5% |