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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 | $45,920 | $57,061-19.5% | $85,063-46.0% | $80,911-43.2% |
| Participation rate | 20.9% | 56.3%-35.5pp | 67.5%-46.6pp | 67.6%-46.8pp |
| Annual return | 5.23% | 21.66%-16.4pp | 66.54%-61.3pp | 35.63%-30.4pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,727-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,330 | $3,110-57.2% | $4,523-70.6% | $4,297-69.0% |
| Admin fee / account holder | $2,982 | $4,986-40.2% | $6,155-51.6% | $6,935-57.0% |