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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 | $31,369 | $77,920-59.7% | $149,723-79.0% | $75,177-58.3% |
| Participation rate | 21.6% | 65.6%-44.0pp | 78.8%-57.2pp | 67.2%-45.6pp |
| Annual return | 8.94% | 31.72%-22.8pp | 134.50%-125.6pp | 160.75%-151.8pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,360 | $3,411-60.1% | $5,682-76.1% | $4,126-67.0% |
| Admin fee / account holder | $1,933 | $5,951-67.5% | $13,215-85.4% | $5,651-65.8% |