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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 | $79,090 | $57,590+37.3% | $86,233-8.3% | $82,448-4.1% |
| Participation rate | 19.4% | 57.9%-38.5pp | 69.0%-49.7pp | 68.1%-48.7pp |
| Annual return | 8.62% | 22.41%-13.8pp | 61.39%-52.8pp | 41.64%-33.0pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,288 | $3,080-58.2% | $4,559-71.8% | $4,139-68.9% |
| Admin fee / account holder | $302 | $4,730-93.6% | $8,342-96.4% | $7,234-95.8% |