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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 | $104,098-21.0% | $140,514-41.4% | $94,015-12.5% |
| Participation rate | 53.2% | 73.7%-20.5pp | 77.8%-24.6pp | 70.8%-17.6pp |
| Annual return | 5.00% | 15.14%-10.1pp | 14.36%-9.4pp | 17.84%-12.8pp |
| Employer contribution / active EE | $0 | $2,388-100.0% | $3,378-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,435 | $4,033-39.6% | $4,919-50.5% | $4,249-42.7% |
| Admin fee / account holder | $5,606 | $10,439-46.3% | $13,697-59.1% | $8,951-37.4% |