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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 | $52,706 | $76,407-31.0% | $150,298-64.9% | $82,448-36.1% |
| Participation rate | 26.8% | 66.4%-39.6pp | 77.8%-50.9pp | 68.1%-41.2pp |
| Annual return | 12.71% | 39.99%-27.3pp | 62.79%-50.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $937 | $3,214-70.8% | $5,453-82.8% | $4,139-77.4% |
| Admin fee / account holder | $11,618 | $6,352+82.9% | $14,116-17.7% | $7,234+60.6% |