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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 | $65,814 | $59,440+10.7% | $78,004-15.6% | $82,637-20.4% |
| Participation rate | 46.4% | 62.8%-16.4pp | 69.4%-23.0pp | 68.1%-21.6pp |
| Annual return | 8.28% | 40.24%-32.0pp | 31.07%-22.8pp | 53.51%-45.2pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,776 | $3,138+20.3% | $4,092-7.7% | $4,126-8.5% |
| Admin fee / account holder | $1,535 | $5,504-72.1% | $7,578-79.7% | $7,339-79.1% |