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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 | $42,880 | $72,027-40.5% | $185,861-76.9% | $79,856-46.3% |
| Participation rate | 25.9% | 65.8%-39.9pp | 78.0%-52.2pp | 69.6%-43.8pp |
| Annual return | 10.40% | 23.13%-12.7pp | 35.96%-25.6pp | 31.71%-21.3pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,088-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,176 | $3,780-42.4% | $5,634-61.4% | $3,741-41.8% |
| Admin fee / account holder | $1,905 | $4,513-57.8% | $9,503-80.0% | $5,306-64.1% |