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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 | $132,929 | $90,400+47.0% | $186,193-28.6% | $87,485+51.9% |
| Participation rate | 40.0% | 66.2%-26.2pp | 77.1%-37.1pp | 68.9%-28.9pp |
| Annual return | 11.49% | 22.15%-10.7pp | 78.03%-66.5pp | 26.06%-14.6pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,348 | $4,330-45.8% | $6,513-63.9% | $4,274-45.1% |
| Admin fee / account holder | $5,549 | $8,673-36.0% | $11,058-49.8% | $7,775-28.6% |