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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 | $58,840 | $80,985-27.3% | $96,576-39.1% | $75,181-21.7% |
| Participation rate | 50.9% | 71.8%-20.9pp | 76.0%-25.1pp | 67.2%-16.3pp |
| Annual return | 12.09% | 27.05%-15.0pp | 25.87%-13.8pp | 160.69%-148.6pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,911 | $3,929-25.9% | $4,851-40.0% | $4,126-29.5% |
| Admin fee / account holder | $7,506 | $6,719+11.7% | $8,253-9.0% | $5,650+32.9% |