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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 | $98,246 | $210,510-53.3% | $153,500-36.0% | $145,877-32.7% |
| Participation rate | 37.5% | 82.1%-44.6pp | 77.1%-39.6pp | 80.3%-42.8pp |
| Annual return | 8.01% | 13.45%-5.4pp | 15.70%-7.7pp | 551.28%-543.3pp |
| Employer contribution / active EE | $0 | $6,052-100.0% | $5,039-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,774 | $7,974-65.2% | $6,756-58.9% | $6,691-58.5% |
| Admin fee / account holder | $3,212 | $19,455-83.5% | $12,736-74.8% | $13,402-76.0% |