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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 | $72,240 | $65,361+10.5% | $92,903-22.2% | $72,983-1.0% |
| Participation rate | 43.2% | 68.3%-25.1pp | 76.0%-32.8pp | 69.5%-26.3pp |
| Annual return | 8.30% | 42.11%-33.8pp | 109.43%-101.1pp | 81.01%-72.7pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,155 | $3,128+0.9% | $4,238-25.5% | $3,608-12.5% |
| Admin fee / account holder | $15,471 | $4,251+263.9% | $5,795+167.0% | $5,124+201.9% |