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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 | $45,040 | $76,552-41.2% | $123,893-63.6% | $62,891-28.4% |
| Participation rate | 43.4% | 73.0%-29.6pp | 81.4%-38.0pp | 69.3%-25.9pp |
| Annual return | 4.95% | 18.68%-13.7pp | 47.52%-42.6pp | 20.14%-15.2pp |
| Employer contribution / active EE | $0 | $2,883-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,097 | $4,840-36.0% | $5,984-48.3% | $3,203-3.3% |
| Admin fee / account holder | $1,766 | $4,826-63.4% | $8,357-78.9% | $4,296-58.9% |