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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 | $82,519 | $57,140+44.4% | $85,240-3.2% | $80,959+1.9% |
| Participation rate | 56.0% | 56.4%-0.4pp | 67.5%-11.5pp | 67.7%-11.7pp |
| Annual return | 10.20% | 21.71%-11.5pp | 66.75%-56.6pp | 35.67%-25.5pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,730 | $3,115+51.9% | $4,527+4.5% | $4,300+10.0% |
| Admin fee / account holder | $2,725 | $4,992-45.4% | $6,165-55.8% | $6,925-60.6% |