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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 | $11,359 | $36,948-69.3% | $73,658-84.6% | $87,485-87.0% |
| Participation rate | 64.9% | 46.8%+18.0pp | 57.0%+7.8pp | 68.9%-4.1pp |
| Annual return | 13.71% | 28.64%-14.9pp | 29.72%-16.0pp | 26.06%-12.3pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $877 | $1,379-36.4% | $2,062-57.5% | $4,274-79.5% |
| Admin fee / account holder | $1,799 | $2,531-28.9% | $3,357-46.4% | $7,775-76.9% |