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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 | $21,785 | $81,358-73.2% | $155,556-86.0% | $80,959-73.1% |
| Participation rate | 67.6% | 66.3%+1.4pp | 78.2%-10.6pp | 67.7%0pp |
| Annual return | 8.53% | 33.39%-24.9pp | 64.84%-56.3pp | 35.67%-27.1pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,647 | $3,455+5.5% | $5,631-35.2% | $4,300-15.2% |
| Admin fee / account holder | $1,793 | $7,994-77.6% | $15,885-88.7% | $6,925-74.1% |