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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 | $80,062 | $101,795-21.3% | $165,100-51.5% | $80,959-1.1% |
| Participation rate | 42.3% | 71.8%-29.5pp | 78.6%-36.3pp | 67.7%-25.4pp |
| Annual return | 9.91% | 16.73%-6.8pp | 70.21%-60.3pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,054 | $4,476-54.1% | $6,035-66.0% | $4,300-52.2% |
| Admin fee / account holder | $6,501 | $8,221-20.9% | $12,696-48.8% | $6,925-6.1% |