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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 | $40,856 | $41,377-1.3% | $109,313-62.6% | $62,881-35.0% |
| Participation rate | 39.5% | 57.5%-18.0pp | 71.3%-31.7pp | 69.3%-29.8pp |
| Annual return | 0.89% | 11.05%-10.2pp | 22.07%-21.2pp | 20.14%-19.3pp |
| Employer contribution / active EE | $0 | $1,276-100.0% | $3,892-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,034 | $2,045-0.5% | $3,166-35.8% | $3,203-36.5% |
| Admin fee / account holder | $732 | $2,884-74.6% | $5,666-87.1% | $4,296-83.0% |