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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 | $27,912 | $56,287-50.4% | $80,977-65.5% | $62,881-55.6% |
| Participation rate | 27.0% | 68.9%-41.9pp | 75.8%-48.8pp | 69.3%-42.3pp |
| Annual return | 4.64% | 22.13%-17.5pp | 17.11%-12.5pp | 20.14%-15.5pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,215 | $4,196-47.2% | $5,696-61.1% | $3,203-30.9% |
| Admin fee / account holder | $2,880 | $3,742-23.0% | $5,517-47.8% | $4,296-33.0% |