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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 | $35,329 | $47,944-26.3% | $67,834-47.9% | $62,881-43.8% |
| Participation rate | 29.8% | 61.1%-31.3pp | 68.8%-39.0pp | 69.3%-39.5pp |
| Annual return | 3.09% | 11.77%-8.7pp | 138.47%-135.4pp | 20.14%-17.1pp |
| Employer contribution / active EE | $0 | $1,562-100.0% | $2,403-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,122 | $2,247-50.0% | $3,160-64.5% | $3,203-65.0% |
| Admin fee / account holder | $775 | $3,712-79.1% | $4,622-83.2% | $4,296-82.0% |