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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 | $83,185 | $86,891-4.3% | $142,516-41.6% | $75,177+10.7% |
| Participation rate | 44.4% | 68.5%-24.1pp | 76.8%-32.3pp | 67.2%-22.8pp |
| Annual return | 6.48% | 23.31%-16.8pp | 20.03%-13.6pp | 160.75%-154.3pp |
| Employer contribution / active EE | $0 | $3,355-100.0% | $4,849-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,221 | $4,938-34.8% | $6,280-48.7% | $4,126-21.9% |
| Admin fee / account holder | $651 | $7,299-91.1% | $10,008-93.5% | $5,651-88.5% |