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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 | $58,243 | $77,920-25.3% | $149,723-61.1% | $75,177-22.5% |
| Participation rate | 27.5% | 65.6%-38.1pp | 78.8%-51.3pp | 67.2%-39.7pp |
| Annual return | 8.19% | 31.72%-23.5pp | 134.50%-126.3pp | 160.75%-152.6pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,256 | $3,411-63.2% | $5,682-77.9% | $4,126-69.6% |
| Admin fee / account holder | $850 | $5,951-85.7% | $13,215-93.6% | $5,651-85.0% |