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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 | $48,362 | $67,894-28.8% | $89,340-45.9% | $82,448-41.3% |
| Participation rate | 24.4% | 64.0%-39.7pp | 69.6%-45.2pp | 68.1%-43.7pp |
| Annual return | 7.97% | 19.21%-11.2pp | 20.57%-12.6pp | 41.64%-33.7pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,863 | $3,072-39.4% | $3,823-51.3% | $4,139-55.0% |
| Admin fee / account holder | $2,553 | $5,723-55.4% | $6,704-61.9% | $7,234-64.7% |