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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 | $120,066 | $58,099+106.7% | $76,902+56.1% | $75,177+59.7% |
| Participation rate | 15.9% | 63.9%-48.0pp | 69.6%-53.7pp | 67.2%-51.3pp |
| Annual return | 10.77% | 26.71%-15.9pp | 37.91%-27.1pp | 160.75%-150.0pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,534-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,361 | $2,999-54.6% | $3,833-64.5% | $4,126-67.0% |
| Admin fee / account holder | $6,217 | $4,778+30.1% | $5,479+13.5% | $5,651+10.0% |