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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 | $176,259 | $106,749+65.1% | $145,433+21.2% | $82,448+113.8% |
| Participation rate | 59.5% | 75.6%-16.2pp | 82.1%-22.7pp | 68.1%-8.6pp |
| Annual return | 11.71% | 27.59%-15.9pp | 66.58%-54.9pp | 41.64%-29.9pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,721 | $6,519-12.2% | $7,897-27.6% | $4,139+38.2% |
| Admin fee / account holder | $12,723 | $8,390+51.6% | $13,129-3.1% | $7,234+75.9% |