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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 | $33,153 | $25,723+28.9% | $69,182-52.1% | $55,167-39.9% |
| Participation rate | 52.4% | 39.4%+13.0pp | 55.1%-2.7pp | 69.0%-16.6pp |
| Annual return | 3.62% | 9.56%-5.9pp | -21.93%+25.6pp | 169.23%-165.6pp |
| Employer contribution / active EE | $0 | $480-100.0% | $1,206-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $776 | $963-19.4% | $1,897-59.1% | $3,054-74.6% |
| Admin fee / account holder | $463 | $365+27.1% | $2,697-82.8% | $504-8.0% |