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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 | $58,478 | $56,287+3.9% | $80,977-27.8% | $62,881-7.0% |
| Participation rate | 63.8% | 68.9%-5.1pp | 75.8%-12.0pp | 69.3%-5.5pp |
| Annual return | 5.36% | 22.13%-16.8pp | 17.11%-11.7pp | 20.14%-14.8pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,875 | $4,196-7.6% | $5,696-32.0% | $3,203+21.0% |
| Admin fee / account holder | $2,742 | $3,742-26.7% | $5,517-50.3% | $4,296-36.2% |