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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 | $26,340 | $77,814-66.2% | $158,223-83.4% | $86,983-69.7% |
| Participation rate | 57.8% | 68.4%-10.6pp | 79.2%-21.4pp | 69.5%-11.8pp |
| Annual return | 8.90% | 30.54%-21.6pp | 52.09%-43.2pp | 25.83%-16.9pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,979 | $3,270-39.5% | $5,467-63.8% | $4,194-52.8% |
| Admin fee / account holder | $2,052 | $5,879-65.1% | $16,047-87.2% | $7,856-73.9% |