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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 | $23,758 | $99,345-76.1% | $84,753-72.0% | $273,972-91.3% |
| Participation rate | 41.2% | 80.7%-39.5pp | 76.6%-35.4pp | 83.0%-41.8pp |
| Annual return | 1.14% | 22.93%-21.8pp | 22.78%-21.6pp | 41.46%-40.3pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,574-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,049 | $4,270-52.0% | $3,712-44.8% | $5,287-61.2% |
| Admin fee / account holder | $3,803 | $6,645-42.8% | $5,333-28.7% | $10,133-62.5% |