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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 | $68,218 | $81,358-16.2% | $155,556-56.1% | $80,959-15.7% |
| Participation rate | 45.5% | 66.3%-20.8pp | 78.2%-32.8pp | 67.7%-22.2pp |
| Annual return | 10.30% | 33.39%-23.1pp | 64.84%-54.5pp | 35.67%-25.4pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,906 | $3,455+13.0% | $5,631-30.6% | $4,300-9.2% |
| Admin fee / account holder | $2,423 | $7,994-69.7% | $15,885-84.7% | $6,925-65.0% |