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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 | $41,474 | $65,367-36.6% | $92,915-55.4% | $72,976-43.2% |
| Participation rate | 28.4% | 68.3%-39.9pp | 76.0%-47.6pp | 69.5%-41.1pp |
| Annual return | 15.49% | 42.11%-26.6pp | 109.45%-94.0pp | 81.02%-65.5pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,364 | $3,128-56.4% | $4,238-67.8% | $3,608-62.2% |
| Admin fee / account holder | $3,461 | $4,251-18.6% | $5,796-40.3% | $5,124-32.5% |