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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 | $89,507 | $101,950-12.2% | $125,529-28.7% | $86,983+2.9% |
| Participation rate | 38.8% | 70.2%-31.3pp | 74.7%-35.9pp | 69.5%-30.7pp |
| Annual return | 6.21% | 18.29%-12.1pp | 202.56%-196.4pp | 25.83%-19.6pp |
| Employer contribution / active EE | $0 | $2,358-100.0% | $3,058-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,144 | $3,862-44.5% | $4,813-55.4% | $4,194-48.9% |
| Admin fee / account holder | $11,715 | $12,791-8.4% | $16,298-28.1% | $7,856+49.1% |