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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 | $46,468 | $57,119-18.6% | $85,187-45.5% | $80,935-42.6% |
| Participation rate | 32.1% | 56.4%-24.3pp | 67.5%-35.4pp | 67.7%-35.5pp |
| Annual return | 3.62% | 21.70%-18.1pp | 66.67%-63.0pp | 35.66%-32.0pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,365 | $3,115-56.2% | $4,525-69.8% | $4,299-68.3% |
| Admin fee / account holder | $363 | $4,990-92.7% | $6,162-94.1% | $6,924-94.8% |