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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 | $146,995 | $94,031+56.3% | $115,768+27.0% | $82,448+78.3% |
| Participation rate | 29.7% | 70.4%-40.7pp | 74.4%-44.7pp | 68.1%-38.3pp |
| Annual return | 12.18% | 20.61%-8.4pp | 100.46%-88.3pp | 41.64%-29.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,185 | $3,972-45.0% | $4,917-55.6% | $4,139-47.2% |
| Admin fee / account holder | $22,836 | $10,249+122.8% | $12,439+83.6% | $7,234+215.7% |