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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 | $142,989 | $95,453+49.8% | $112,040+27.6% | $82,448+73.4% |
| Participation rate | 32.8% | 72.8%-40.0pp | 76.5%-43.7pp | 68.1%-35.3pp |
| Annual return | 11.47% | 23.92%-12.5pp | 24.52%-13.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,950 | $4,224-53.8% | $5,098-61.8% | $4,139-52.9% |
| Admin fee / account holder | $14,345 | $9,013+59.2% | $12,098+18.6% | $7,234+98.3% |