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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 | $50,522 | $81,233-37.8% | $155,567-67.5% | $80,874-37.5% |
| Participation rate | 47.6% | 66.2%-18.6pp | 78.2%-30.6pp | 67.6%-20.0pp |
| Annual return | 9.71% | 33.33%-23.6pp | 64.74%-55.0pp | 35.62%-25.9pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,280 | $3,452-5.0% | $5,628-41.7% | $4,297-23.7% |
| Admin fee / account holder | $3,483 | $7,998-56.5% | $15,916-78.1% | $6,935-49.8% |