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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 | $160,093 | $106,749+50.0% | $145,433+10.1% | $82,448+94.2% |
| Participation rate | 62.9% | 75.6%-12.8pp | 82.1%-19.2pp | 68.1%-5.2pp |
| Annual return | 13.87% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,733 | $6,519-12.0% | $7,897-27.4% | $4,139+38.5% |
| Admin fee / account holder | $724 | $8,390-91.4% | $13,129-94.5% | $7,234-90.0% |