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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 | $59,505 | $67,602-12.0% | $82,312-27.7% | $70,126-15.1% |
| Participation rate | 43.5% | 72.8%-29.3pp | 76.9%-33.4pp | 69.5%-26.1pp |
| Annual return | 11.17% | 21.57%-10.4pp | 25.88%-14.7pp | 73.15%-62.0pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,251 | $2,987-24.7% | $3,706-39.3% | $3,332-32.4% |
| Admin fee / account holder | $766 | $4,512-83.0% | $5,608-86.3% | $4,645-83.5% |