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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 | $74,767 | $72,269+3.5% | $101,271-26.2% | $79,852-6.4% |
| Participation rate | 54.9% | 68.5%-13.5pp | 75.8%-20.9pp | 69.6%-14.7pp |
| Annual return | 9.21% | 22.29%-13.1pp | 46.48%-37.3pp | 31.72%-22.5pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,611 | $3,282+71.0% | $4,371+28.4% | $3,740+50.0% |
| Admin fee / account holder | $7,400 | $4,401+68.1% | $5,948+24.4% | $5,306+39.5% |