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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 | $64,306 | $73,955-13.0% | $96,520-33.4% | $75,181-14.5% |
| Participation rate | 53.8% | 66.4%-12.6pp | 74.3%-20.5pp | 67.2%-13.4pp |
| Annual return | 12.14% | 26.72%-14.6pp | 35.72%-23.6pp | 160.69%-148.5pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,229 | $3,659+42.9% | $4,879+7.2% | $4,126+26.7% |
| Admin fee / account holder | $1,536 | $5,217-70.6% | $6,733-77.2% | $5,650-72.8% |