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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 | $66,827 | $90,509-26.2% | $78,693-15.1% | $273,968-75.6% |
| Participation rate | 13.3% | 76.5%-63.2pp | 73.6%-60.2pp | 83.0%-69.7pp |
| Annual return | 0.28% | 75.61%-75.3pp | 62.18%-61.9pp | 41.45%-41.2pp |
| Employer contribution / active EE | $0 | $3,175-100.0% | $2,850-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,101 | $3,901-20.5% | $3,517-11.8% | $5,287-41.3% |
| Admin fee / account holder | $3,304 | $5,264-37.2% | $4,511-26.7% | $10,132-67.4% |