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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 | $55,891 | $67,606-17.3% | $82,313-32.1% | $70,124-20.3% |
| Participation rate | 35.8% | 72.8%-36.9pp | 76.9%-41.0pp | 69.5%-33.7pp |
| Annual return | 12.08% | 21.57%-9.5pp | 25.88%-13.8pp | 73.14%-61.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,978 | $2,987-33.8% | $3,706-46.6% | $3,332-40.6% |
| Admin fee / account holder | $1,902 | $4,512-57.8% | $5,608-66.1% | $4,645-59.1% |