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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 | $97,648+27.0% | $121,663+1.9% | $87,485+41.7% |
| Participation rate | 42.3% | 70.5%-28.2pp | 74.5%-32.2pp | 68.9%-26.6pp |
| Annual return | 9.55% | 18.03%-8.5pp | 147.54%-138.0pp | 26.06%-16.5pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,255 | $3,923-42.5% | $4,887-53.8% | $4,274-47.2% |
| Admin fee / account holder | $7,641 | $11,100-31.2% | $14,289-46.5% | $7,775-1.7% |