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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 | $88,533 | $52,580+68.4% | $71,671+23.5% | $70,126+26.2% |
| Participation rate | 56.4% | 60.9%-4.5pp | 68.7%-12.4pp | 69.5%-13.2pp |
| Annual return | 11.70% | 20.25%-8.5pp | 20.65%-8.9pp | 73.15%-61.4pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,489 | $2,386+4.3% | $3,438-27.6% | $3,332-25.3% |
| Admin fee / account holder | $4,460 | $3,653+22.1% | $5,558-19.8% | $4,645-4.0% |