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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 | $53,350 | $78,197-31.8% | $98,090-45.6% | $82,637-35.4% |
| Participation rate | 52.6% | 77.5%-24.9pp | 81.5%-29.0pp | 68.1%-15.5pp |
| Annual return | 14.16% | 40.25%-26.1pp | 37.05%-22.9pp | 53.51%-39.3pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,387 | $6,636-33.9% | $7,845-44.1% | $4,126+6.3% |
| Admin fee / account holder | $4,881 | $14,832-67.1% | $11,815-58.7% | $7,339-33.5% |