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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 | $41,834 | $93,617-55.3% | $135,982-69.2% | $75,177-44.4% |
| Participation rate | 18.3% | 75.2%-56.9pp | 81.9%-63.6pp | 67.2%-48.9pp |
| Annual return | 10.31% | 30.89%-20.6pp | 68.32%-58.0pp | 160.75%-150.4pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,134 | $6,406-51.1% | $7,760-59.6% | $4,126-24.1% |
| Admin fee / account holder | $3,771 | $6,980-46.0% | $10,767-65.0% | $5,651-33.3% |