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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 | $32,381 | $51,166-36.7% | $70,544-54.1% | $71,511-54.7% |
| Participation rate | 59.6% | 59.4%+0.3pp | 68.4%-8.7pp | 67.9%-8.3pp |
| Annual return | 10.10% | 42.71%-32.6pp | 32.79%-22.7pp | 28.86%-18.8pp |
| Employer contribution / active EE | $0 | $1,793-100.0% | $2,976-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,145 | $3,031-62.2% | $4,568-74.9% | $4,291-73.3% |
| Admin fee / account holder | $1,948 | $2,000-2.6% | $6,427-69.7% | $1,588+22.6% |