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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 | $55,522 | $46,534+19.3% | $64,097-13.4% | $75,177-26.1% |
| Participation rate | 59.6% | 65.9%-6.4pp | 72.3%-12.7pp | 67.2%-7.6pp |
| Annual return | 11.05% | 26.07%-15.0pp | 33.75%-22.7pp | 160.75%-149.7pp |
| Employer contribution / active EE | $0 | $1,976-100.0% | $2,750-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,029 | $2,835+42.1% | $3,881+3.8% | $4,126-2.4% |
| Admin fee / account holder | $4,457 | $2,957+50.7% | $3,070+45.2% | $5,651-21.1% |