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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 | $123,581 | $58,493+111.3% | $84,021+47.1% | $72,975+69.3% |
| Participation rate | 56.4% | 61.2%-4.8pp | 69.0%-12.6pp | 69.5%-13.1pp |
| Annual return | 13.33% | 28.93%-15.6pp | 71.32%-58.0pp | 81.01%-67.7pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,012 | $2,394+25.8% | $3,239-7.0% | $3,608-16.5% |
| Admin fee / account holder | $7,143 | $4,569+56.4% | $6,102+17.1% | $5,124+39.4% |