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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 | $64,462-11.6% | $81,482-30.1% | $80,911-29.6% |
| Participation rate | 23.7% | 63.9%-40.2pp | 69.5%-45.8pp | 67.6%-43.9pp |
| Annual return | 6.68% | 16.35%-9.7pp | 24.79%-18.1pp | 35.63%-28.9pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,617 | $3,094-47.7% | $3,885-58.4% | $4,297-62.4% |
| Admin fee / account holder | $7,882 | $5,678+38.8% | $5,761+36.8% | $6,935+13.7% |