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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 | $85,252 | $93,598-8.9% | $135,974-37.3% | $75,173+13.4% |
| Participation rate | 28.0% | 75.2%-47.1pp | 81.9%-53.9pp | 67.2%-39.2pp |
| Annual return | 12.24% | 30.89%-18.7pp | 68.30%-56.1pp | 160.72%-148.5pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,315 | $6,405-48.2% | $7,760-57.3% | $4,126-19.7% |
| Admin fee / account holder | $12,736 | $6,978+82.5% | $10,767+18.3% | $5,651+125.4% |