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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 | $59,822 | $62,672-4.5% | $185,117-67.7% | $70,126-14.7% |
| Participation rate | 67.9% | 63.8%+4.1pp | 77.3%-9.4pp | 69.5%-1.7pp |
| Annual return | 10.15% | 40.79%-30.6pp | 40.50%-30.3pp | 73.15%-63.0pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,335 | $3,272-28.6% | $5,045-53.7% | $3,332-29.9% |
| Admin fee / account holder | $2,058 | $3,932-47.6% | $8,159-74.8% | $4,645-55.7% |