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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 | $51,737 | $79,955-35.3% | $98,461-47.5% | $75,173-31.2% |
| Participation rate | 60.0% | 70.4%-10.4pp | 75.2%-15.2pp | 67.2%-7.2pp |
| Annual return | 8.97% | 19.75%-10.8pp | 21.17%-12.2pp | 160.72%-151.7pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,163 | $3,752-42.4% | $4,738-54.4% | $4,126-47.6% |
| Admin fee / account holder | $1,003 | $6,841-85.3% | $8,961-88.8% | $5,651-82.3% |