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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 | $13,630 | $37,446-63.6% | $77,513-82.4% | $79,852-82.9% |
| Participation rate | 51.7% | 41.5%+10.2pp | 54.2%-2.5pp | 69.6%-17.9pp |
| Annual return | 9.95% | 39.76%-29.8pp | 54.81%-44.9pp | 31.72%-21.8pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,367 | $1,261+8.4% | $1,861-26.5% | $3,740-63.4% |
| Admin fee / account holder | $3,357 | $2,506+34.0% | $2,859+17.4% | $5,306-36.7% |