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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 | $105,456 | $77,472+36.1% | $100,415+5.0% | $80,959+30.3% |
| Participation rate | 63.9% | 76.9%-13.1pp | 81.5%-17.6pp | 67.7%-3.8pp |
| Annual return | 10.92% | 37.26%-26.3pp | 49.47%-38.6pp | 35.67%-24.7pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,913 | $6,818-27.9% | $8,091-39.3% | $4,300+14.2% |
| Admin fee / account holder | $2,752 | $5,885-53.2% | $7,906-65.2% | $6,925-60.3% |