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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 | $133,682 | $65,027+105.6% | $90,970+47.0% | $79,852+67.4% |
| Participation rate | 62.8% | 61.6%+1.2pp | 69.0%-6.2pp | 69.6%-6.8pp |
| Annual return | 10.11% | 30.45%-20.3pp | 134.58%-124.5pp | 31.72%-21.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,924 | $2,512-23.4% | $3,373-43.0% | $3,740-48.6% |
| Admin fee / account holder | $4,597 | $4,535+1.4% | $5,960-22.9% | $5,306-13.4% |