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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 | $84,832 | $77,492+9.5% | $100,398-15.5% | $80,911+4.8% |
| Participation rate | 44.4% | 76.9%-32.5pp | 81.5%-37.1pp | 67.6%-23.2pp |
| Annual return | 10.39% | 37.23%-26.8pp | 49.32%-38.9pp | 35.63%-25.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,946-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,983 | $6,817-26.9% | $8,084-38.4% | $4,297+16.0% |
| Admin fee / account holder | $4,081 | $5,892-30.7% | $7,893-48.3% | $6,935-41.1% |