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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 | $47,415 | $78,197-39.4% | $98,090-51.7% | $82,637-42.6% |
| Participation rate | 68.7% | 77.5%-8.8pp | 81.5%-12.9pp | 68.1%+0.6pp |
| Annual return | 12.35% | 40.25%-27.9pp | 37.05%-24.7pp | 53.51%-41.2pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,666 | $6,636-59.8% | $7,845-66.0% | $4,126-35.4% |
| Admin fee / account holder | $6,671 | $14,832-55.0% | $11,815-43.5% | $7,339-9.1% |