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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 | $31,274 | $63,809-51.0% | $81,353-61.6% | $80,935-61.4% |
| Participation rate | 29.5% | 63.9%-34.4pp | 69.5%-40.0pp | 67.7%-38.1pp |
| Annual return | 9.01% | 16.37%-7.4pp | 24.82%-15.8pp | 35.66%-26.6pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,434 | $3,093-53.6% | $3,885-63.1% | $4,299-66.6% |
| Admin fee / account holder | $5,859 | $5,686+3.1% | $5,766+1.6% | $6,924-15.4% |