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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 | $46,265 | $77,472-40.3% | $100,392-53.9% | $80,935-42.8% |
| Participation rate | 31.6% | 76.9%-45.4pp | 81.5%-49.9pp | 67.7%-36.1pp |
| Annual return | 10.90% | 37.26%-26.4pp | 49.45%-38.6pp | 35.66%-24.8pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,249 | $6,818-52.3% | $8,090-59.8% | $4,299-24.4% |
| Admin fee / account holder | $4,637 | $5,885-21.2% | $7,904-41.3% | $6,924-33.0% |