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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 | $132,626 | $177,156-25.1% | $147,027-9.8% | $154,746-14.3% |
| Participation rate | 44.4% | 79.4%-34.9pp | 73.7%-29.3pp | 80.7%-36.3pp |
| Annual return | 7.73% | 21.94%-14.2pp | 20.23%-12.5pp | 172.34%-164.6pp |
| Employer contribution / active EE | $0 | $4,336-100.0% | $3,626-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $0 | $5,797-100.0% | $4,933-100.0% | $6,730-100.0% |
| Admin fee / account holder | $1,206 | $14,904-91.9% | $12,223-90.1% | $14,365-91.6% |