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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 | $28,044 | $25,014+12.1% | $69,632-59.7% | $80,959-65.4% |
| Participation rate | 45.5% | 64.2%-18.8pp | 66.4%-21.0pp | 67.7%-22.2pp |
| Annual return | 10.86% | 19.08%-8.2pp | 101.32%-90.5pp | 35.67%-24.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,708-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,095 | $1,840+68.3% | $2,889+7.1% | $4,300-28.0% |
| Admin fee / account holder | $667 | $2,491-73.2% | $4,695-85.8% | $6,925-90.4% |