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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 | $162,714 | $106,749+52.4% | $145,433+11.9% | $82,448+97.4% |
| Participation rate | 36.7% | 75.6%-39.0pp | 82.1%-45.5pp | 68.1%-31.4pp |
| Annual return | 8.33% | 27.59%-19.3pp | 66.58%-58.2pp | 41.64%-33.3pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $8,086 | $6,519+24.0% | $7,897+2.4% | $4,139+95.3% |
| Admin fee / account holder | $3,919 | $8,390-53.3% | $13,129-70.1% | $7,234-45.8% |