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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 | $37,650 | $64,734-41.8% | $90,796-58.5% | $64,097-41.3% |
| Participation rate | 34.9% | 53.2%-18.3pp | 69.5%-34.6pp | 55.2%-20.3pp |
| Annual return | 10.56% | 17.77%-7.2pp | 19.29%-8.7pp | 34.64%-24.1pp |
| Employer contribution / active EE | $0 | $1,703-100.0% | $2,294-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,727 | $2,629-34.3% | $3,822-54.8% | $3,080-43.9% |
| Admin fee / account holder | $5,440 | $3,474+56.6% | $7,024-22.5% | $3,454+57.5% |