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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 | $54,428 | $58,493-7.0% | $84,021-35.2% | $72,975-25.4% |
| Participation rate | 59.1% | 61.2%-2.1pp | 69.0%-9.9pp | 69.5%-10.4pp |
| Annual return | 4.20% | 28.93%-24.7pp | 71.32%-67.1pp | 81.01%-76.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,757 | $2,394+56.9% | $3,239+16.0% | $3,608+4.1% |
| Admin fee / account holder | $1,951 | $4,569-57.3% | $6,102-68.0% | $5,124-61.9% |