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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 | $89,345 | $99,875-10.5% | $146,866-39.2% | $86,983+2.7% |
| Participation rate | 36.5% | 75.8%-39.3pp | 82.5%-46.0pp | 69.5%-33.0pp |
| Annual return | 11.97% | 28.10%-16.1pp | 102.85%-90.9pp | 25.83%-13.9pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,045 | $6,322-36.0% | $7,759-47.9% | $4,194-3.6% |
| Admin fee / account holder | $6,020 | $7,838-23.2% | $13,620-55.8% | $7,856-23.4% |