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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 | $75,480 | $66,459+13.6% | $81,353-7.2% | $77,736-2.9% |
| Participation rate | 27.2% | 68.7%-41.5pp | 69.5%-42.4pp | 70.6%-43.4pp |
| Annual return | 11.23% | 15.95%-4.7pp | 24.82%-13.6pp | 31.26%-20.0pp |
| Employer contribution / active EE | $0 | $2,156-100.0% | $2,464-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,248 | $3,674-38.8% | $3,885-42.1% | $4,651-51.7% |
| Admin fee / account holder | $4,824 | $585+724.6% | $5,766-16.3% | $433+1013.3% |