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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 | $49,789 | $36,844+35.1% | $83,854-40.6% | $65,306-23.8% |
| Participation rate | 28.5% | 29.2%-0.8pp | 59.1%-30.6pp | 57.7%-29.2pp |
| Annual return | 11.96% | 22.28%-10.3pp | 31.39%-19.4pp | 21.94%-10.0pp |
| Employer contribution / active EE | $0 | $415-100.0% | $1,017-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $2,074 | $1,040+99.5% | $2,035+1.9% | $2,959-29.9% |
| Admin fee / account holder | $4,001 | $2,546+57.2% | $3,197+25.2% | $3,480+15.0% |