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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 | $49,179 | $70,486-30.2% | $100,535-51.1% | $79,856-38.4% |
| Participation rate | 42.1% | 73.6%-31.5pp | 79.4%-37.3pp | 69.6%-27.5pp |
| Annual return | 12.37% | 21.90%-9.5pp | 30.90%-18.5pp | 31.71%-19.3pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,441 | $5,182-52.9% | $6,271-61.1% | $3,741-34.7% |
| Admin fee / account holder | $4,626 | $4,480+3.3% | $8,085-42.8% | $5,306-12.8% |