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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 | $41,993 | $73,787-43.1% | $98,716-57.5% | $82,448-49.1% |
| Participation rate | 55.9% | 61.4%-5.5pp | 69.3%-13.4pp | 68.1%-12.2pp |
| Annual return | 10.97% | 18.57%-7.6pp | 31.81%-20.8pp | 41.64%-30.7pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,327 | $3,081-56.9% | $4,048-67.2% | $4,139-67.9% |
| Admin fee / account holder | $732 | $6,500-88.7% | $8,703-91.6% | $7,234-89.9% |