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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 | $106,749-16.3% | $145,433-38.6% | $82,448+8.4% |
| Participation rate | 36.5% | 75.6%-39.1pp | 82.1%-45.6pp | 68.1%-31.5pp |
| Annual return | 11.97% | 27.59%-15.6pp | 66.58%-54.6pp | 41.64%-29.7pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,045 | $6,519-38.0% | $7,897-48.8% | $4,139-2.3% |
| Admin fee / account holder | $6,020 | $8,390-28.2% | $13,129-54.1% | $7,234-16.8% |