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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 | $71,310 | $76,367-6.6% | $93,614-23.8% | $72,983-2.3% |
| Participation rate | 48.9% | 71.7%-22.8pp | 75.8%-26.9pp | 69.5%-20.6pp |
| Annual return | 0.98% | 25.82%-24.8pp | 32.76%-31.8pp | 81.01%-80.0pp |
| Employer contribution / active EE | $0 | $2,275-100.0% | $2,718-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,926 | $3,538+11.0% | $4,069-3.5% | $3,608+8.8% |
| Admin fee / account holder | $2,547 | $6,838-62.8% | $7,889-67.7% | $5,124-50.3% |