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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 | $52,652 | $97,648-46.1% | $121,663-56.7% | $87,485-39.8% |
| Participation rate | 38.1% | 70.5%-32.4pp | 74.5%-36.4pp | 68.9%-30.8pp |
| Annual return | 11.58% | 18.03%-6.4pp | 147.54%-136.0pp | 26.06%-14.5pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,249 | $3,923-42.7% | $4,887-54.0% | $4,274-47.4% |
| Admin fee / account holder | $9,343 | $11,100-15.8% | $14,289-34.6% | $7,775+20.2% |