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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 | $33,073 | $71,197-53.5% | $93,669-64.7% | $80,925-59.1% |
| Participation rate | 26.2% | 60.4%-34.2pp | 68.7%-42.5pp | 67.7%-41.5pp |
| Annual return | 5.64% | 11.27%-5.6pp | 133.59%-127.9pp | 35.65%-30.0pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,967 | $4,036-26.5% | $4,416-32.8% | $4,299-31.0% |
| Admin fee / account holder | $5,711 | $6,959-17.9% | $8,291-31.1% | $6,940-17.7% |