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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 | $57,073+44.6% | $85,126-3.1% | $80,925+2.0% |
| Participation rate | 56.0% | 56.4%-0.4pp | 67.5%-11.5pp | 67.7%-11.7pp |
| Annual return | 10.20% | 21.69%-11.5pp | 66.63%-56.4pp | 35.65%-25.5pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,730 | $3,113+52.0% | $4,523+4.6% | $4,299+10.0% |
| Admin fee / account holder | $2,725 | $4,988-45.4% | $6,160-55.8% | $6,940-60.7% |