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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 | $66,910 | $106,749-37.3% | $145,433-54.0% | $82,448-18.8% |
| Participation rate | 18.5% | 75.6%-57.2pp | 82.1%-63.7pp | 68.1%-49.6pp |
| Annual return | 12.05% | 27.59%-15.5pp | 66.58%-54.5pp | 41.64%-29.6pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,462 | $6,519-62.2% | $7,897-68.8% | $4,139-40.5% |
| Admin fee / account holder | $4,533 | $8,390-46.0% | $13,129-65.5% | $7,234-37.3% |