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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 | $123,995 | $94,031+31.9% | $115,768+7.1% | $82,448+50.4% |
| Participation rate | 42.3% | 70.4%-28.1pp | 74.4%-32.1pp | 68.1%-25.8pp |
| Annual return | 9.55% | 20.61%-11.1pp | 100.46%-90.9pp | 41.64%-32.1pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,255 | $3,972-43.2% | $4,917-54.1% | $4,139-45.5% |
| Admin fee / account holder | $7,641 | $10,249-25.5% | $12,439-38.6% | $7,234+5.6% |