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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 | $112,211 | $76,551+46.6% | $123,894-9.4% | $62,881+78.4% |
| Participation rate | 35.6% | 73.0%-37.4pp | 81.4%-45.9pp | 69.3%-33.7pp |
| Annual return | 3.62% | 18.68%-15.1pp | 47.52%-43.9pp | 20.14%-16.5pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,676 | $4,840-44.7% | $5,984-55.3% | $3,203-16.5% |
| Admin fee / account holder | $2,806 | $4,826-41.9% | $8,357-66.4% | $4,296-34.7% |