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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 | $140,647 | $146,267-3.8% | $197,124-28.7% | $82,448+70.6% |
| Participation rate | 64.7% | 84.0%-19.3pp | 86.7%-22.0pp | 68.1%-3.4pp |
| Annual return | 12.57% | 29.61%-17.0pp | 44.34%-31.8pp | 41.64%-29.1pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,214 | $7,035-54.3% | $9,135-64.8% | $4,139-22.4% |
| Admin fee / account holder | $2,650 | $14,422-81.6% | $16,298-83.7% | $7,234-63.4% |