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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 | $47,981 | $54,763-12.4% | $90,324-46.9% | $72,976-34.3% |
| Participation rate | 49.1% | 65.2%-16.0pp | 73.3%-24.2pp | 69.5%-20.4pp |
| Annual return | 9.70% | 30.63%-20.9pp | 78.15%-68.4pp | 81.02%-71.3pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,856-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,717 | $2,887-5.9% | $3,885-30.1% | $3,608-24.7% |
| Admin fee / account holder | $2,577 | $3,973-35.2% | $5,356-51.9% | $5,124-49.7% |