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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 | $56,612 | $52,580+7.7% | $71,671-21.0% | $70,126-19.3% |
| Participation rate | 27.0% | 60.9%-33.8pp | 68.7%-41.7pp | 69.5%-42.5pp |
| Annual return | 3.26% | 20.25%-17.0pp | 20.65%-17.4pp | 73.15%-69.9pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,363 | $2,386-1.0% | $3,438-31.3% | $3,332-29.1% |
| Admin fee / account holder | $1,253 | $3,653-65.7% | $5,558-77.5% | $4,645-73.0% |