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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 | $149,723 | $101,798+47.1% | $165,071-9.3% | $80,935+85.0% |
| Participation rate | 44.4% | 71.8%-27.4pp | 78.6%-34.2pp | 67.7%-23.2pp |
| Annual return | 8.04% | 16.73%-8.7pp | 70.17%-62.1pp | 35.66%-27.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,752 | $4,476+6.2% | $6,035-21.3% | $4,299+10.5% |
| Admin fee / account holder | $3,625 | $8,221-55.9% | $12,695-71.4% | $6,924-47.7% |