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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 | $106,524+63.1% | $152,301+14.1% | $87,485+98.6% |
| Participation rate | 26.7% | 75.8%-49.1pp | 82.4%-55.8pp | 68.9%-42.3pp |
| Annual return | 13.50% | 26.89%-13.4pp | 80.50%-67.0pp | 26.06%-12.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $5,150 | $6,525-21.1% | $8,004-35.7% | $4,274+20.5% |
| Admin fee / account holder | $10,127 | $8,287+22.2% | $14,398-29.7% | $7,775+30.3% |