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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 | $60,553 | $88,360-31.5% | $145,433-58.4% | $67,986-10.9% |
| Participation rate | 32.0% | 65.5%-33.5pp | 82.1%-50.1pp | 57.2%-25.2pp |
| Annual return | 12.77% | 63.15%-50.4pp | 66.58%-53.8pp | 31.67%-18.9pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,009 | $5,932-32.4% | $7,897-49.2% | $3,358+19.4% |
| Admin fee / account holder | $3,897 | $3,313+17.6% | $13,129-70.3% | $3,203+21.7% |