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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 | $112,739 | $106,749+5.6% | $145,433-22.5% | $82,448+36.7% |
| Participation rate | 17.9% | 75.6%-57.7pp | 82.1%-64.2pp | 68.1%-50.2pp |
| Annual return | 12.86% | 27.59%-14.7pp | 66.58%-53.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,461 | $6,519-62.3% | $7,897-68.8% | $4,139-40.6% |
| Admin fee / account holder | $12,518 | $8,390+49.2% | $13,129-4.7% | $7,234+73.0% |