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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 | $53,046 | $56,894-6.8% | $84,753-37.4% | $62,881-15.6% |
| Participation rate | 61.2% | 68.5%-7.3pp | 76.6%-15.4pp | 69.3%-8.1pp |
| Annual return | -0.31% | 6.30%-6.6pp | 22.78%-23.1pp | 20.14%-20.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,650 | $2,709-2.2% | $3,712-28.6% | $3,203-17.3% |
| Admin fee / account holder | $5,423 | $3,581+51.5% | $5,333+1.7% | $4,296+26.3% |