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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 | $49,856 | $106,864-53.3% | $147,318-66.2% | $82,637-39.7% |
| Participation rate | 57.1% | 75.5%-18.4pp | 82.1%-24.9pp | 68.1%-10.9pp |
| Annual return | 11.92% | 27.49%-15.6pp | 70.43%-58.5pp | 53.51%-41.6pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,004 | $6,496-38.4% | $7,906-49.4% | $4,126-3.0% |
| Admin fee / account holder | $6,149 | $8,415-26.9% | $13,708-55.1% | $7,339-16.2% |