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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 | $52,266 | $95,453-45.2% | $112,040-53.4% | $82,448-36.6% |
| Participation rate | 43.4% | 72.8%-29.4pp | 76.5%-33.1pp | 68.1%-24.7pp |
| Annual return | 8.86% | 23.92%-15.1pp | 24.52%-15.7pp | 41.64%-32.8pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,354 | $4,224-44.3% | $5,098-53.8% | $4,139-43.1% |
| Admin fee / account holder | $6,048 | $9,013-32.9% | $12,098-50.0% | $7,234-16.4% |