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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 | $59,342 | $83,898-29.3% | $133,346-55.5% | $94,015-36.9% |
| Participation rate | 47.4% | 63.4%-16.0pp | 72.8%-25.5pp | 70.8%-23.5pp |
| Annual return | 7.60% | 16.00%-8.4pp | 36.85%-29.2pp | 17.84%-10.2pp |
| Employer contribution / active EE | $0 | $1,821-100.0% | $2,853-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,385 | $3,245-57.3% | $4,332-68.0% | $4,249-67.4% |
| Admin fee / account holder | $5,102 | $7,809-34.7% | $14,264-64.2% | $8,951-43.0% |