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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 | $59,342 | $73,787-19.6% | $98,716-39.9% | $82,448-28.0% |
| Participation rate | 47.4% | 61.4%-14.0pp | 69.3%-21.9pp | 68.1%-20.7pp |
| Annual return | 7.60% | 18.57%-11.0pp | 31.81%-24.2pp | 41.64%-34.0pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,385 | $3,081-55.0% | $4,048-65.8% | $4,139-66.5% |
| Admin fee / account holder | $5,102 | $6,500-21.5% | $8,703-41.4% | $7,234-29.5% |