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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 | $10,449 | $57,119-81.7% | $85,187-87.7% | $80,935-87.1% |
| Participation rate | 58.5% | 56.4%+2.1pp | 67.5%-9.1pp | 67.7%-9.2pp |
| Annual return | 9.76% | 21.70%-11.9pp | 66.67%-56.9pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,736 | $3,115-44.3% | $4,525-61.6% | $4,299-59.6% |
| Admin fee / account holder | $1,643 | $4,990-67.1% | $6,162-73.3% | $6,924-76.3% |