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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 | $84,953+56.5% | $163,379-18.6% | $82,637+60.9% |
| Participation rate | 40.0% | 65.9%-25.9pp | 76.8%-36.8pp | 68.1%-28.1pp |
| Annual return | 11.49% | 23.07%-11.6pp | 63.41%-51.9pp | 53.51%-42.0pp |
| Employer contribution / active EE | $0 | $2,183-100.0% | $3,752-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,348 | $4,326-45.7% | $6,282-62.6% | $4,126-43.1% |
| Admin fee / account holder | $5,549 | $7,921-29.9% | $9,818-43.5% | $7,339-24.4% |