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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 | $145,431-3.3% | $211,142-33.4% | $87,485+60.8% |
| Participation rate | 64.7% | 84.7%-20.0pp | 87.3%-22.6pp | 68.9%-4.2pp |
| Annual return | 12.57% | 27.21%-14.6pp | 46.84%-34.3pp | 26.06%-13.5pp |
| Employer contribution / active EE | $0 | $4,662-100.0% | $6,442-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,214 | $6,859-53.1% | $9,284-65.4% | $4,274-24.8% |
| Admin fee / account holder | $2,650 | $17,052-84.5% | $19,076-86.1% | $7,775-65.9% |