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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 | $55,034 | $87,132-36.8% | $105,624-47.9% | $80,959-32.0% |
| Participation rate | 47.5% | 70.4%-22.9pp | 75.3%-27.8pp | 67.7%-20.2pp |
| Annual return | 9.14% | 17.03%-7.9pp | 116.20%-107.1pp | 35.67%-26.5pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,877 | $3,985-27.8% | $5,013-42.6% | $4,300-33.1% |
| Admin fee / account holder | $4,950 | $8,449-41.4% | $10,961-54.8% | $6,925-28.5% |