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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 | $22,506 | $68,868-67.3% | $183,328-87.7% | $67,986-66.9% |
| Participation rate | 54.5% | 57.0%-2.5pp | 77.3%-22.8pp | 57.2%-2.7pp |
| Annual return | 12.93% | 28.80%-15.9pp | 29.67%-16.7pp | 31.67%-18.7pp |
| Employer contribution / active EE | $0 | $2,917-100.0% | $5,055-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,194 | $4,364-49.7% | $6,795-67.7% | $3,358-34.7% |
| Admin fee / account holder | $3,066 | $3,805-19.4% | $21,427-85.7% | $3,203-4.3% |