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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 | $43,680 | $36,948+18.2% | $73,658-40.7% | $87,485-50.1% |
| Participation rate | 41.8% | 46.8%-5.0pp | 57.0%-15.2pp | 68.9%-27.1pp |
| Annual return | 13.12% | 28.64%-15.5pp | 29.72%-16.6pp | 26.06%-12.9pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,320 | $1,379-4.3% | $2,062-36.0% | $4,274-69.1% |
| Admin fee / account holder | $919 | $2,531-63.7% | $3,357-72.6% | $7,775-88.2% |