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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 | $73,997 | $62,672+18.1% | $185,117-60.0% | $70,126+5.5% |
| Participation rate | 38.0% | 63.8%-25.8pp | 77.3%-39.3pp | 69.5%-31.5pp |
| Annual return | 12.44% | 40.79%-28.3pp | 40.50%-28.1pp | 73.15%-60.7pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,175 | $3,272-64.1% | $5,045-76.7% | $3,332-64.7% |
| Admin fee / account holder | $1,080 | $3,932-72.5% | $8,159-86.8% | $4,645-76.8% |