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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 | $59,614 | $36,948+61.3% | $73,658-19.1% | $87,485-31.9% |
| Participation rate | 19.0% | 46.8%-27.8pp | 57.0%-38.1pp | 68.9%-49.9pp |
| Annual return | 8.12% | 28.64%-20.5pp | 29.72%-21.6pp | 26.06%-17.9pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,226 | $1,379-11.1% | $2,062-40.6% | $4,274-71.3% |
| Admin fee / account holder | $4,315 | $2,531+70.5% | $3,357+28.6% | $7,775-44.5% |