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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 | $139,427 | $81,504+71.1% | $102,437+36.1% | $80,959+72.2% |
| Participation rate | 34.0% | 66.9%-32.8pp | 74.5%-40.5pp | 67.7%-33.6pp |
| Annual return | 9.84% | 25.60%-15.8pp | 24.95%-15.1pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,566 | $3,871+18.0% | $5,060-9.8% | $4,300+6.2% |
| Admin fee / account holder | $23,599 | $6,719+251.2% | $8,388+181.3% | $6,925+240.8% |