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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 | $49,110 | $82,879-40.7% | $96,576-49.1% | $67,986-27.8% |
| Participation rate | 38.7% | 75.2%-36.4pp | 81.4%-42.7pp | 57.2%-18.5pp |
| Annual return | 14.79% | 36.90%-22.1pp | 38.47%-23.7pp | 31.67%-16.9pp |
| Employer contribution / active EE | $0 | $2,727-100.0% | $3,553-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,677 | $6,976-47.3% | $7,956-53.8% | $3,358+9.5% |
| Admin fee / account holder | $9,403 | $2,783+237.8% | $11,381-17.4% | $3,203+193.5% |