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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 | $39,667 | $52,580-24.6% | $71,671-44.7% | $70,126-43.4% |
| Participation rate | 25.9% | 60.9%-35.0pp | 68.7%-42.8pp | 69.5%-43.6pp |
| Annual return | 11.18% | 20.25%-9.1pp | 20.65%-9.5pp | 73.15%-62.0pp |
| Employer contribution / active EE | $0 | $1,616-100.0% | $2,460-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,096 | $2,386-54.1% | $3,438-68.1% | $3,332-67.1% |
| Admin fee / account holder | $1,568 | $3,653-57.1% | $5,558-71.8% | $4,645-66.2% |