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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 | $78,012 | $70,486+10.7% | $100,528-22.4% | $79,852-2.3% |
| Participation rate | 48.0% | 73.6%-25.6pp | 79.4%-31.4pp | 69.6%-21.6pp |
| Annual return | 11.22% | 21.90%-10.7pp | 30.90%-19.7pp | 31.72%-20.5pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,691 | $5,182-48.1% | $6,271-57.1% | $3,740-28.1% |
| Admin fee / account holder | $7,907 | $4,480+76.5% | $8,084-2.2% | $5,306+49.0% |