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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 | $58,569 | $35,183+66.5% | $73,545-20.4% | $70,124-16.5% |
| Participation rate | 43.2% | 42.9%+0.3pp | 54.9%-11.7pp | 69.5%-26.3pp |
| Annual return | 8.47% | 26.90%-18.4pp | -15.16%+23.6pp | 73.14%-64.7pp |
| Employer contribution / active EE | $0 | $709-100.0% | $1,219-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $981 | $1,220-19.6% | $1,806-45.7% | $3,332-70.6% |
| Admin fee / account holder | $1,685 | $2,302-26.8% | $2,320-27.4% | $4,645-63.7% |