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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 | $172,383 | $106,864+61.3% | $147,318+17.0% | $82,637+108.6% |
| Participation rate | 52.4% | 75.5%-23.1pp | 82.1%-29.7pp | 68.1%-15.7pp |
| Annual return | 8.56% | 27.49%-18.9pp | 70.43%-61.9pp | 53.51%-44.9pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,731 | $6,496+3.6% | $7,906-14.9% | $4,126+63.1% |
| Admin fee / account holder | $56,021 | $8,415+565.7% | $13,708+308.7% | $7,339+663.4% |