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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 | $76,420 | $77,814-1.8% | $158,223-51.7% | $86,983-12.1% |
| Participation rate | 45.6% | 68.4%-22.8pp | 79.2%-33.6pp | 69.5%-23.9pp |
| Annual return | 8.49% | 30.54%-22.1pp | 52.09%-43.6pp | 25.83%-17.3pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,744 | $3,270-46.7% | $5,467-68.1% | $4,194-58.4% |
| Admin fee / account holder | $4,348 | $5,879-26.0% | $16,047-72.9% | $7,856-44.6% |