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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 | $128,939 | $81,457+58.3% | $103,378+24.7% | $80,911+59.4% |
| Participation rate | 41.7% | 66.8%-25.2pp | 74.5%-32.8pp | 67.6%-26.0pp |
| Annual return | 9.80% | 25.58%-15.8pp | 24.91%-15.1pp | 35.63%-25.8pp |
| Employer contribution / active EE | $0 | $3,107-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,130 | $3,871-19.1% | $5,058-38.1% | $4,297-27.2% |
| Admin fee / account holder | $2,205 | $6,717-67.2% | $8,401-73.7% | $6,935-68.2% |