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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 | $19,828 | $48,078-58.8% | $78,676-74.8% | $62,881-68.5% |
| Participation rate | 31.8% | 65.2%-33.4pp | 73.6%-41.7pp | 69.3%-37.5pp |
| Annual return | 3.51% | 31.36%-27.8pp | 62.19%-58.7pp | 20.14%-16.6pp |
| Employer contribution / active EE | $0 | $2,015-100.0% | $2,850-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $835 | $2,587-67.7% | $3,517-76.2% | $3,203-73.9% |
| Admin fee / account holder | $595 | $3,206-81.4% | $4,510-86.8% | $4,296-86.1% |