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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 | $50,808 | $72,272-29.7% | $101,264-49.8% | $79,858-36.4% |
| Participation rate | 35.2% | 68.5%-33.2pp | 75.8%-40.6pp | 69.6%-34.4pp |
| Annual return | 6.84% | 22.30%-15.5pp | 46.48%-39.6pp | 31.72%-24.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,982 | $3,282-39.6% | $4,370-54.6% | $3,740-47.0% |
| Admin fee / account holder | $1,217 | $4,401-72.4% | $5,947-79.5% | $5,306-77.1% |