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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 | $45,171 | $81,504-44.6% | $102,437-55.9% | $80,959-44.2% |
| Participation rate | 52.0% | 66.9%-14.9pp | 74.5%-22.5pp | 67.7%-15.7pp |
| Annual return | 7.39% | 25.60%-18.2pp | 24.95%-17.6pp | 35.67%-28.3pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,033 | $3,871-21.7% | $5,060-40.1% | $4,300-29.5% |
| Admin fee / account holder | $4,920 | $6,719-26.8% | $8,388-41.3% | $6,925-29.0% |