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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 | $29,724 | $57,140-48.0% | $85,240-65.1% | $80,959-63.3% |
| Participation rate | 42.3% | 56.4%-14.1pp | 67.5%-25.2pp | 67.7%-25.4pp |
| Annual return | 9.05% | 21.71%-12.7pp | 66.75%-57.7pp | 35.67%-26.6pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,644 | $3,115+49.1% | $4,527+2.6% | $4,300+8.0% |
| Admin fee / account holder | $943 | $4,992-81.1% | $6,165-84.7% | $6,925-86.4% |