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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 | $41,648 | $86,050-51.6% | $189,758-78.1% | $94,015-55.7% |
| Participation rate | 67.6% | 68.9%-1.3pp | 79.8%-12.1pp | 70.8%-3.2pp |
| Annual return | 9.29% | 17.77%-8.5pp | 52.62%-43.3pp | 17.84%-8.6pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,720 | $3,349-18.8% | $5,856-53.6% | $4,249-36.0% |
| Admin fee / account holder | $9,771 | $6,627+47.4% | $20,388-52.1% | $8,951+9.2% |