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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 | $93,226 | $98,776-5.6% | $149,745-37.7% | $79,856+16.7% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.5%-22.5pp | 69.6%-9.6pp |
| Annual return | 11.15% | 27.38%-16.2pp | 276.72%-265.6pp | 31.71%-20.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,839 | $5,681-50.0% | $6,843-58.5% | $3,741-24.1% |
| Admin fee / account holder | $11,661 | $6,053+92.7% | $9,312+25.2% | $5,306+119.8% |