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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 | $48,918 | $210,343-76.7% | $153,476-68.1% | $145,978-66.5% |
| Participation rate | 50.0% | 82.1%-32.1pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 0.93% | 13.38%-12.5pp | 15.66%-14.7pp | 550.52%-549.6pp |
| Employer contribution / active EE | $0 | $6,047-100.0% | $5,038-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $7,405 | $7,977-7.2% | $6,759+9.6% | $6,690+10.7% |
| Admin fee / account holder | $2,380 | $19,424-87.7% | $12,729-81.3% | $13,400-82.2% |