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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 | $37,369 | $76,407-51.1% | $150,298-75.1% | $82,448-54.7% |
| Participation rate | 31.7% | 66.4%-34.7pp | 77.8%-46.1pp | 68.1%-36.4pp |
| Annual return | 6.54% | 39.99%-33.4pp | 62.79%-56.2pp | 41.64%-35.1pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,069 | $3,214-35.6% | $5,453-62.0% | $4,139-50.0% |
| Admin fee / account holder | $19,984 | $6,352+214.6% | $14,116+41.6% | $7,234+176.2% |