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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 | $58,653 | $78,520-25.3% | $96,576-39.3% | $82,448-28.9% |
| Participation rate | 51.2% | 77.7%-26.5pp | 81.4%-30.2pp | 68.1%-16.8pp |
| Annual return | 11.29% | 41.30%-30.0pp | 38.47%-27.2pp | 41.64%-30.3pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,248 | $6,754-51.9% | $7,956-59.2% | $4,139-21.5% |
| Admin fee / account holder | $4,656 | $13,455-65.4% | $11,381-59.1% | $7,234-35.6% |