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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 | $64,588 | $69,444-7.0% | $92,985-30.5% | $87,485-26.2% |
| Participation rate | 64.5% | 63.3%+1.2pp | 69.5%-5.0pp | 68.9%-4.4pp |
| Annual return | 12.46% | 23.85%-11.4pp | 27.99%-15.5pp | 26.06%-13.6pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,956 | $3,364+17.6% | $4,377-9.6% | $4,274-7.4% |
| Admin fee / account holder | $8,751 | $6,137+42.6% | $9,463-7.5% | $7,775+12.6% |