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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 | $100,077 | $91,198+9.7% | $178,503-43.9% | $79,856+25.3% |
| Participation rate | 43.3% | 69.2%-25.9pp | 81.9%-38.6pp | 69.6%-26.3pp |
| Annual return | 5.40% | 24.20%-18.8pp | 151.12%-145.7pp | 31.71%-26.3pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,808 | $3,237-13.2% | $5,202-46.0% | $3,741-24.9% |
| Admin fee / account holder | $4,456 | $6,748-34.0% | $13,987-68.1% | $5,306-16.0% |