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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 | $12,645 | $46,599-72.9% | $64,101-80.3% | $75,173-83.2% |
| Participation rate | 34.8% | 65.9%-31.2pp | 72.3%-37.5pp | 67.2%-32.4pp |
| Annual return | 9.53% | 26.06%-16.5pp | 33.72%-24.2pp | 160.72%-151.2pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,570 | $2,837-44.7% | $3,881-59.6% | $4,126-62.0% |
| Admin fee / account holder | $1,035 | $2,956-65.0% | $3,070-66.3% | $5,651-81.7% |