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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 | $173,786 | $106,749+62.8% | $145,433+19.5% | $82,448+110.8% |
| Participation rate | 26.7% | 75.6%-49.0pp | 82.1%-55.5pp | 68.1%-41.4pp |
| Annual return | 13.50% | 27.59%-14.1pp | 66.58%-53.1pp | 41.64%-28.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,150 | $6,519-21.0% | $7,897-34.8% | $4,139+24.4% |
| Admin fee / account holder | $10,127 | $8,390+20.7% | $13,129-22.9% | $7,234+40.0% |