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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 | $33,910 | $78,423-56.8% | $95,964-64.7% | $79,856-57.5% |
| Participation rate | 54.2% | 73.5%-19.3pp | 77.1%-22.8pp | 69.6%-15.4pp |
| Annual return | 7.30% | 19.37%-12.1pp | 91.64%-84.3pp | 31.71%-24.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,575 | $3,440-54.2% | $4,167-62.2% | $3,741-57.9% |
| Admin fee / account holder | $1,454 | $5,622-74.1% | $6,797-78.6% | $5,306-72.6% |