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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 | $66,016 | $81,487-19.0% | $102,412-35.5% | $80,935-18.4% |
| Participation rate | 51.4% | 66.8%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 9.28% | 25.60%-16.3pp | 24.94%-15.7pp | 35.66%-26.4pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,503 | $3,871-9.5% | $5,060-30.8% | $4,299-18.5% |
| Admin fee / account holder | $12,857 | $6,717+91.4% | $8,388+53.3% | $6,924+85.7% |