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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 | $36,434 | $54,541-33.2% | $78,778-53.8% | $70,126-48.0% |
| Participation rate | 61.7% | 60.8%+0.9pp | 69.2%-7.5pp | 69.5%-7.8pp |
| Annual return | 10.35% | 21.07%-10.7pp | 35.62%-25.3pp | 73.15%-62.8pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,039 | $2,210-7.8% | $2,958-31.1% | $3,332-38.8% |
| Admin fee / account holder | $2,438 | $3,709-34.3% | $5,134-52.5% | $4,645-47.5% |