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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 | $82,289 | $97,550-15.6% | $120,344-31.6% | $87,485-5.9% |
| Participation rate | 53.2% | 72.8%-19.6pp | 76.7%-23.5pp | 68.9%-15.7pp |
| Annual return | 5.00% | 18.41%-13.4pp | 20.30%-15.3pp | 26.06%-21.1pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,435 | $4,230-42.4% | $5,135-52.6% | $4,274-43.0% |
| Admin fee / account holder | $5,606 | $9,543-41.2% | $12,742-56.0% | $7,775-27.9% |