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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 | $66,974 | $86,949-23.0% | $102,460-34.6% | $80,959-17.3% |
| Participation rate | 29.7% | 72.4%-42.7pp | 76.5%-46.8pp | 67.7%-37.9pp |
| Annual return | 10.11% | 18.89%-8.8pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,960 | $4,121-52.4% | $5,056-61.2% | $4,300-54.4% |
| Admin fee / account holder | $10,789 | $8,048+34.1% | $9,460+14.0% | $6,925+55.8% |