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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 | $77,133 | $51,083+51.0% | $70,548+9.3% | $71,495+7.9% |
| Participation rate | 37.3% | 59.4%-22.1pp | 68.3%-31.1pp | 67.9%-30.7pp |
| Annual return | 12.98% | 42.64%-29.7pp | 32.78%-19.8pp | 28.85%-15.9pp |
| Employer contribution / active EE | $0 | $1,791-100.0% | $2,975-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,320 | $3,028+42.7% | $4,567-5.4% | $4,291+0.7% |
| Admin fee / account holder | $7,417 | $1,995+271.7% | $6,424+15.5% | $1,588+367.1% |