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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 | $56,989 | $63,845-10.7% | $81,370-30.0% | $80,959-29.6% |
| Participation rate | 23.7% | 63.9%-40.2pp | 69.5%-45.8pp | 67.7%-43.9pp |
| Annual return | 6.68% | 16.37%-9.7pp | 24.85%-18.2pp | 35.67%-29.0pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,617 | $3,093-47.7% | $3,885-58.4% | $4,300-62.4% |
| Admin fee / account holder | $7,882 | $5,688+38.6% | $5,749+37.1% | $6,925+13.8% |