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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 | $32,711 | $91,559-64.3% | $133,971-75.6% | $79,852-59.0% |
| Participation rate | 20.7% | 73.3%-52.7pp | 79.8%-59.2pp | 69.6%-48.9pp |
| Annual return | 7.88% | 61.85%-54.0pp | 45.09%-37.2pp | 31.72%-23.8pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,473 | $3,734-33.8% | $5,047-51.0% | $3,740-33.9% |
| Admin fee / account holder | $1,595 | $6,321-74.8% | $8,929-82.1% | $5,306-69.9% |