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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 | $53,898 | $93,055-42.1% | $153,643-64.9% | $80,935-33.4% |
| Participation rate | 13.2% | 69.0%-55.8pp | 77.1%-63.9pp | 67.7%-54.5pp |
| Annual return | 6.82% | 19.97%-13.2pp | 15.71%-8.9pp | 35.66%-28.8pp |
| Employer contribution / active EE | $0 | $3,504-100.0% | $5,039-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,565 | $5,172-31.1% | $6,754-47.2% | $4,299-17.1% |
| Admin fee / account holder | $11,236 | $8,881+26.5% | $12,739-11.8% | $6,924+62.3% |